Clarity for life's big decisions

Calculate your take-home pay after tax, National Insurance, student loans and pension contributions. Supports England, Scotland and Wales tax bands.

Compare take-home pay across PAYE, umbrella and limited company structures. See the real difference side by side.

Estimate how much you could borrow, monthly repayments, and total interest. Includes overpayment simulator.

Project your pension growth and estimate when you could retire. Includes inflation-adjusted forecasts and state pension estimates.

Calculate Stamp Duty Land Tax (SDLT), Land and Buildings Transaction Tax (LBTT) and Land Transaction Tax (LTT). Supports first-time buyers and additional properties.

Calculate UK dividend tax alongside salary income. See band breakdowns, effective rates, and how dividends stack on top of other income. For company directors and investors.

Calculate CGT on property, shares, crypto and other assets. Includes annual exempt amount, losses, BADR, and income-based rate bands.

Project your student loan repayment timeline. See monthly repayments, total cost, and whether your loan will be written off. Plan 1, 2, 4, 5 and Postgrad.

Compare two salary offers side by side. See the real take-home difference after tax, NI, pension, and student loans. Supports England and Scotland tax.