Independent, zero-tracking decision tools calibrated for UK legislation: income tax (PAYE), National Insurance, mortgages, council tax, and pension pots.
Tailored decision calculators built for UK personal finance, housing, and taxes.
Model distinct financial pathways side by side.
Standard PAYE Salary
Salary Sacrifice Pension (+5%)
Max ISA Contribution
Synthesise HMRC tax bands, National Insurance, and mortgage stress tests into clear action.
Cross-checks personal allowance, basic rate, and higher rate thresholds.
Tests 4.5x salary multiplier against current base rates and stress tests.
Calculates annual allowance (£60,000) and carry-forward relief.
Simule · Analyse · Compare
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Up-to-date thresholds from HMRC, DWP, and Bank of England.
Actionable roadmap tailored to your specific financial milestone.
Download a comprehensive summary for your mortgage broker or advisor.
Navigate from your initial query to a grounded financial decision.
State your target: mortgage affordability, salary review, or pension plan.
Matched to the appropriate HMRC-compliant UK tool.
Input figures for instant private calculations on your machine.
Evaluate alternative contributions, mortgage terms, or tax bands.
Understand trade-offs, marginal tax traps, and net benefits.
Download your PDF synthesis ready for consultation.
Committed to a property purchase or pension scheme? Audit your past choice to uncover optimization levers and refinancing potential.
Actionable remortgage options and pension rebalancing steps.
Examine mortgage fixed terms and contribution caps available at the time.
Measure current monthly outgoings against initial expectations.
Review interest rate trends and inflation assumptions that guided the deal.
Reconstruct your baseline income, loan-to-value (LTV), and expenses.
Enter contract inception date, fixed rate expiry, and loan balance.
Mortgage affordability, take-home pay, pension planning, energy costs... Simulate, compare, and proceed with certainty.
