Private by Default
Plan confidently without forced bank linking or data-selling gimmicks.
Free UK calculators, connected to a planner
See the tax impact before you change pay, pension, or Child Benefit.
Start with one focused UK calculator, then carry the same draft into Seedli when the decision needs budget, tax, and net worth planning in one place.
No bank link neededDraft stays editableNo card required
Quick salary hook
Start with salary, not a blank calculator.
Enter one annual figure here, then refine cadence, bonus timing, pension, and Gift Aid inside the ANI tool without re-entering the basics.
Best first step for ANI pressure
Useful for the 60% trap, HICBC taper checks, and take-home uncertainty.
Everything stays editable
Salary only gets you started. Bonus, pension, Gift Aid, and payroll settings stay open.
Popular tax starting points
Choose the UK money question you need answered first
Most people start with ANI, Child Benefit tax charge, salary sacrifice, or a quick budget read. Each tool answers one question quickly, then carries the same draft into the wider plan when you need more depth.
Adjusted Net Income Calculator
Check whether salary, bonus, pension, and Gift Aid push you into the personal allowance taper or Child Benefit taper zones.
Launch Free ToolChild Benefit Tax Charge Calculator
Estimate how much Child Benefit is exposed at your current ANI and what gross reduction would move the higher earner back under the taper line.
Launch Free ToolSalary Sacrifice Calculator
Compare extra pension salary sacrifice against the real take-home cost, ANI change, and payroll drag saved.
Launch Free ToolStudent Loan Repayment Calculator
Estimate UK student loan deductions by plan so you can see the real take-home impact of pay rises, bonus, and salary sacrifice.
Launch Free ToolBudget Planner
Build a quick monthly plan from take-home, fixed costs, and savings routes so tax decisions land in a realistic cashflow view.
Launch Free ToolNet Worth Planner
Check cash, wrappers, property, pension, and debt in one snapshot before moving surplus or locking money away.
Launch Free ToolBroader planner
Need the wider tax read?
Use the broader planner when ANI is only one part of the answer and you also need PAYE, student loan, or balancing-payment context.
Explanation first
Need the guide before the calculator?
Use the explainers when the search is really about the rule itself rather than typing straight into a live tool.
Carry the draft forward
Need the full planning workspace?
Start with the focused calculator, then carry the same baseline into Seedli when the decision spills into budget, tax, or net worth.
Actionable Optimisation
See where money leaks happen and exactly where to intervene first.
Household Clarity
Keep partner planning fair, visible, and easy to maintain each month.