Swealth
Build wealth. Own more. Pass it on.
Pick a question. Enter your numbers. That’s it. Free, with no account.
Net worth
£431,100
An example household
60% between £100,000 and £125,140
Tax on your next pound
60%
The 60% trap.
Between £100,000 and £125,140 the personal allowance is withdrawn as income rises. So each extra pound in that band is taxed at 60%.
Tax-Free Childcare, one child, a year
£2,000
One pound, one cliff.
Go one pound over £100,000 of adjusted net income and Tax-Free Childcare stops in full, along with the free hours in England. There is no taper.
Net worth
£431,100
An example household
What you are actually worth.
Everything you own, less everything you owe, as one figure. Free, with no account.
UK wealth calculators
Each tool answers one question, on the rates for the current tax year.
- Your positionEvery calculator at once
- Net worthWhat you are worth, in one figure
- Time to £100kIn cash, and in today's money
- GoalsWhat a target costs a month
- Salary vs dividendWhat a director keeps
- The 60% trap£100,000 to £125,140
- The £100,000 childcare cliffWithdrawn in full, no taper
- Stamp dutyIncluding buying from overseas
- Inheritance taxThe bands, the taper, the 36% step
Or read the six subjects behind them in The Ledger.
What Swealth will not do
How we make moneyNo best-platform tables
Rankings are the easiest thing on a money site to bend. We do not run them.
Information, not advice
Tools and plain explanations. Your own circumstances need someone regulated.
Figures tied to sources
Every rate links to where we read it. Miss a recheck date and the site fails to build.
No email to get an answer
Every calculator gives the full result before it asks for anything.
Questions
The questions that come up most
Is Swealth financial advice?
No. Swealth publishes information and calculators. Nothing here weighs your circumstances or tells you what to buy. We do not rank providers or sell placements. For decisions that turn on your own position, speak to a regulated financial adviser.
Where do your numbers come from?
Outside figures (allowances, thresholds, statistics) live in a register with source, read date and recheck date. The full list is on our methodology page.
When a recheck date passes, the build fails until someone updates the register. Pages and calculators read the same entries, so a figure cannot drift between them unnoticed.
How does Swealth make money?
Right now it does not. There are no affiliate links, no ads and no sponsored articles. If that ever changes we will say so at the top of the affected page, and it will not change calculator outputs. Our disclosure page sets out what we would and would not do.
The Swealth letter
One letter a week, on Thursday
What moved in British money that week and what it changed in the rules. Start with the UK Wealth Blueprint: a net worth sheet, a wealth-stage checklist and an annual review template.