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. If the result affects more than one decision, save it and keep going in Seedli without rebuilding the numbers.
No bank link neededResults stay 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 typing the basics again.
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.
Better starting point
Pick the question, not the product area.
The easiest way into Seedli is one clear answer first. These starting points keep the page calm, then carry the useful numbers into the wider planner when needed.
No account needed to start
Use the free tool first, then save only if the result is worth keeping.
No spreadsheet-style setup wall
Each tool asks for the smallest useful set of numbers before showing a result.
Tax threshold
“Am I over an important tax line?”
Start with ANI if the problem is Child Benefit, the £100k taper, bonus timing, or pension/Gift Aid reducers.
Check ANI firstPayroll decision
“What happens if I sacrifice more salary?”
Use salary sacrifice when you want the take-home cost, NI effect, student loan impact, and ANI movement together.
Test salary sacrificeMonthly reality
“Can my budget actually absorb this?”
Use the budget planner when the tax move looks sensible, but the real question is cashflow and safe-to-spend.
Check monthly roomPopular 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 first, then lets you keep the result if it becomes part of a bigger plan.
Adjusted Net Income Calculator
Check whether salary, bonus, pension, and Gift Aid push you into the personal allowance taper or Child Benefit taper zones.
Open 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.
Open toolSalary Sacrifice Calculator
Compare extra pension salary sacrifice against the real take-home cost, ANI change, and payroll drag saved.
Open 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.
Open toolBudget Planner
Build a quick monthly plan from take-home, fixed costs, and savings routes so tax decisions land in a realistic cashflow view.
Open toolNet Worth Planner
Check cash, wrappers, property, pension, and debt in one snapshot before moving surplus or locking money away.
Open 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.
Go beyond the quick answer
Need the full planning workspace?
Start with a focused calculator. If the answer affects your budget, tax, or net worth, save it and keep working from there.
Clear Next Moves
See which tax, budget, or net-worth decision is worth handling first.
Household Clarity
Keep partner planning fair, visible, and easy to maintain each month.