Frozen thresholds push more people into high tax rates.

Millions face higher taxes, including pensioners and savers.

Frozen thresholds and higher rates boost income.

Targeted efforts yield high returns from unpaid IHT.

The calculator excludes partnerships.

NICs, CGT, and pensions are affected by the changes.

Over a million retirees dragged into tax levy.

Widespread confusion regarding criteria prompts warning.