Every calculator at once
What the rules are doing to your money
One set of figures, read by every engine on this site together. It reports what the thresholds take, what a different arrangement of the same money would keep, and which of those is the biggest — in that order, because they are not the same kind of thing.
Free, no account, and nothing you type is sent anywhere.
Your report
Fill in what you know and the report appears here. If nothing appears, that is the answer: the thresholds are not costing you anything.
Why one calculator cannot tell you this
Seven calculators here each answer one question well, and not one of them knows about the others. The childcare page knows the cliff at £100,000. The 60% page knows the personal allowance is gone by £125,140. Neither knows they are frequently the same move, or what the two are worth added together.
For a household just over the threshold with two young children the pair can run to five figures, and a single pension contribution can clear both at once. No individual tool on this site says that, because no individual tool can see it.
The second thing seven tools cannot do is rank. They present seven equal choices. This says which number is the biggest.
Keep it under review
A position is only true on the day you work it out
Allowances expire on 5 April and do not carry over. Rates change at a Budget. A bonus moves you across a threshold you were nowhere near in April. The snapshot above does not know about any of that, because you have closed the tab.
Watching a position means keeping your figures, recomputing them every month against the current rules, and telling you what moved and what is about to expire.
The Swealth letter
One letter a week, on Thursday
Plain writing about British money, and the UK Wealth Blueprint to start with.