Free tools
Free UK tax and money calculators
Start with one focused calculator when you want a fast answer on ANI, Child Benefit tax charge, salary sacrifice, budget, or net worth. Save the draft once the numbers look right and carry the same baseline into the full product.
Start here
Pick the tax question you actually need answered
Most people do not need every tool at once. Start with the threshold or payroll question that is live right now, then carry that baseline into the wider workspace only if you need more room.
Adjusted Net Income calculator
Check ANI, the 60% tax trap, and whether pension or Gift Aid would move you back below key thresholds.
Open calculatorChild Benefit tax charge calculator
Estimate the High Income Child Benefit Charge and see how much ANI reduction would clear or reduce it.
Open calculatorSalary sacrifice calculator
Compare extra pension contribution against the real take-home cost after tax, NI, and ANI changes.
Open calculatorHow the free tools fit together
One baseline, then the next question
The public tools work best as a progression, not as isolated calculators. Start with the first live question, confirm the threshold or payroll read, then save the setup once you want the full plan around it.
1. Check ANI
Adjusted Net Income calculator
Start here when the main question is whether pay, bonus, pension, or Gift Aid is pushing you over a tax threshold.
2. Check the household charge
Child Benefit tax charge calculator
Use this once you know the higher earner is near the HICBC band and you want the household charge in pounds, not just theory.
3. Test a payroll fix
Salary sacrifice calculator
Use salary sacrifice when the likely fix is extra pension through payroll and you want to see the real take-home trade-off.
4. Check payroll deductions
Student loan repayment calculator UK
Use this when the question is really about take-home after payroll deductions rather than ANI on its own.
When the answer needs a full plan
Move into the full workspace once you want the same draft carried across tax, budget, and net worth without starting again.
More planners
Budget and net worth tools that connect to the same product
Use the planning tools when the immediate question is monthly cash flow or asset allocation rather than tax thresholds.
Supporting guides
Use the guide when you need context, then open the calculator when you need the number
These pages support the same free-tool funnel, but they no longer need to fight for equal attention. Pick the topic that matches the question you are still trying to understand.
ANI and tax-threshold guides
Use these when the question is still about definitions, taper rules, or the right reduction route before you trust the live calculator result.
How to calculate adjusted net income from a payslip
Use one pay run as a starting point, then see which deductions and adjustments matter before you rely on the ANI result.
£100k tax trap calculator
See how far ANI is above £100,000, how much Personal Allowance is at risk, and which reductions would clear the taper.
Gift Aid tax relief calculator
Check the grossed-up donation effect and why Gift Aid can be useful near Child Benefit or Personal Allowance thresholds.
Opt out of Child Benefit or keep claiming?
Understand the trade-off between receiving the payment, paying the charge, and keeping National Insurance credits in the household.
Salary sacrifice vs private pension calculator
Compare two common pension funding routes and see why the take-home cost can differ even when ANI does not.
Pension contribution calculator UK
Check how extra pension funding changes ANI, take-home, and the distance to HICBC or the £100k taper.
Student loan repayment calculator UK
See how plan thresholds affect take-home and why student loan changes matter when testing salary sacrifice or pay rises.
Gift Aid and the £100k tax trap
See why Gift Aid can be part of the fix when ANI has drifted into the personal allowance taper band.
How HICBC works for two-income households
Separate claimant, higher earner, and household cashflow so the Child Benefit decision is based on the right person.
Salary sacrifice vs SIPP vs relief at source
Compare the main pension funding routes when ANI, NI, and payroll efficiency all matter at once.
Budget setup guides
Use these when the monthly planning question is about structure, categories, or the right starting template rather than the raw numbers.
Monthly budget template UK
Use a simple UK monthly budget structure for solo, couple, or family planning before carrying the draft into Seedli.
Fixed vs variable expenses guide
Separate committed bills from flexible spending so the first budget cuts and surplus decisions are obvious.
Adjusted Net Income calculator
Use ANI first when threshold drag may be shrinking the take-home pay available to budget each month.
Tax and payslip planner
Start here when the monthly income anchor is still uncertain because PAYE, pension, or student loan deductions are moving around.
Net worth planner
Once the monthly budget is stable, decide where surplus should go across cash, debt, ISA, and pension wrappers.
Student loan guides
Use these when the payroll question is really about plan differences, postgraduate borrowing, or how deductions change take-home.
Plan 1 vs Plan 2 vs Plan 4 vs Plan 5 student loan repayment
See how the main UK student loan plans differ so you can map the right threshold and repayment drag to your pay.
Postgraduate loan repayment calculator UK
Check the separate postgraduate threshold and why it changes the real cash read on salary growth and pension decisions.
Does salary sacrifice reduce student loan repayments?
Use this when the live question is whether payroll pension changes will reduce student loan deductions as well as tax.
Salary sacrifice calculator
Compare the payroll pension route when the next question is the take-home effect of changing deductions, not just the student loan threshold.
Tax and payslip planner
Open the broader tax planner when salary, PAYE, pension, and student loan all need to be tested together in one baseline.
Carry the baseline forward
Get the free answer first. Save it when you want the full plan.
Seedli keeps the calculator setup so you can move from one focused answer into a full tax, budget, or net worth workflow without starting again.