# Ep 306: Goldstone Annual Allowance prediction tool

Page: https://stenobird.com/podcast/medics-money-podcast-3282167/ep-306-goldstone-annual-allowance-prediction-tool
Text version: https://stenobird.com/podcast/medics-money-podcast-3282167/ep-306-goldstone-annual-allowance-prediction-tool.md
Podcast: [Medics Money podcast](https://stenobird.com/podcast/medics-money-podcast-3282167)
Published: 2026-01-13T08:39:00+00:00
Episode link: https://medicsmoney.co.uk/ep-306-goldstone-annual-allowance-prediction-tool
Audio file: https://pscrb.fm/rss/p/episodes.captivate.fm/episode/19103df3-85db-4181-89a1-e79aa6c8c0c9.mp3
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JSON: https://stenobird.com/v1/public/podcasts/medics-money-podcast-3282167/episodes/ep-306-goldstone-annual-allowance-prediction-tool
Duration seconds: 2907

## Resource

Get access to tool here https://form.jotform.com/253052650309047?referralcode=MMB2526 PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/ In this episode, Tommy Perkins and Dr. Tony Goldstone discuss the complexities of NHS pensions, particularly focusing on the punitive annual allowance tax bills that many healthcare professionals face. Dr. Goldstone introduces a new web-based tool designed to help individuals calculate and predict their pension growth and tax liabilities. The conversation delves into the structure of NHS pensions, the challenges of understanding annual allowances, and the importance of accurate data in financial planning. The episode also highlights various tax traps that can affect take-home pay and emphasises the need for proactive management of pension-related issues. 00:00 Understanding NHS Pension Challenges 07:38 Introducing the New Pension Tool 15:16 Navigating Complex Pension Scenarios 23:44 Navigating Tax Charges and Scheme Pays 30:59 Understanding the 100K Tax Trap 37:44 Addressing Employer Errors and Back Pay 43:45 Revisiting Scheme Pays and Individual Circumstances

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## Transcript

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