Every calculator at once

What the UK rules are doing to your money

One set of figures, fed through every calculator engine on the site at once. You see what the thresholds take, what a different split of the same money would keep, and which line is largest.

Free, no account, and nothing you type is sent anywhere.

Adjusted net income

Total taxable income before allowances, minus pension contributions and Gift Aid. The childcare and taper tests use this figure, not gross pay.

Children aged 11 or underTax-Free Childcare covers all of them.Of those, aged 9 months to 4These are the ones the 30 free hours apply to.

What an hour of nursery costs you

Your hourly rate. Nursery fees swing wildly by area, so you enter your own.

Company profit before your salary

The salary you take

Paid into ISAs this tax year

Across every ISA you hold.

These fields decide which rules even apply: a mortgage and a buy-to-let pull in different ones. Fill them in and the report can say where your wealth sits.

Cash and savings

Current accounts, easy access and fixed-term savings.

Cash ISA

Stocks and shares ISA

Other investments

A general investment account, shares held directly, crypto.

Pension pots

Workplace and personal pensions with a pot value: the total across every provider.

Final salary pension

Enter the cash equivalent transfer value from your scheme. See the note on /methodology; this figure is contested.

Your home

What it would sell for today, not what you paid.

Other property

Buy-to-let, a holiday let, land, a share of a property.

Business equity

A realistic figure for your share of a business you own.

Anything else

Vehicles, valuables, money owed to you.

Mortgage on your home

Mortgage on other property

Credit cards and overdrafts

Car finance

Loans

Tax you owe

Self assessment due in January, VAT, corporation tax you have set aside for.

Anything else owed

Nothing here is sent anywhere. The report is worked out in your browser. Close the tab and it is gone.

Your report

Add whatever you know and the report builds here. If it stays blank, the income thresholds in our models are not costing you anything on these figures.

Why one calculator cannot tell you this

The other calculators here each answer one question well, in isolation. 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.

Separate tools also cannot rank the costs. This report puts the largest figure first.

Watch your position

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.

What watching a position means

The Swealth letter

One letter a week, on Thursday

Plain writing about British money, and the UK Wealth Blueprint to start with.