Your money Your future In your hands
- A free and powerful simulator to explore your entire financial life.
- Visualise how your money grows, where it is spent and how it is taxed.
- Understand what each decision costs, learn how to make better ones.
- When can I retire?
- Could we manage on one salary?
- Better buying or renting?
- Pension or ISA?
- What if I have another child?
- Should I overpay the mortgage?
- Private school, or invest the fees?
- How can I pay less tax?
- What if I’m made redundant?
- Sole trader or limited company?
- Am I caught in the £100k trap?
- Who pays for care later on?
- Two-year fix or five?
- Will my money last as long as I do?
- Can we help the kids buy a home?
- Is salary sacrifice worth it?
Full lifetime financial simulator launching 2026.
Your data in, your numbers out. No bill in between.
Free forever
Every part of the simulator, free. Nothing held back, no trial to run out, no pro tier to graduate to.
To use every part of it, for as long as you like.
No trial. No pro tier. No card.
Your plan needs your numbers, not your name.
No signup
No email, no password, no bank link. You keep a secret key, so you can return to your numbers on any device without ever telling us who you are. Google sign-in is there if you want it, never required.
Approximations are guesses in disguise.
Exact numbers
Every band, threshold, taper, relief and surcharge, computed the way HMRC computes it. No rules of thumb, no flat-rate shortcuts.
What you keep of your next £1,000, at a salary of £100,000.
Income Tax takes £600 and National Insurance £20: 62% of it, where the headline rates add up to 42%. The difference is the Personal Allowance taper.
Life has many moving parts. So does this engine.
Sophisticated engine
Property and mortgages, both kinds of pension, children, self-employment, a limited company, care costs later on, and the two of you rather than just one. The awkward parts are modelled, not skipped.
Try an idea the moment you have it.
Instant results
Change one number and every year, every account and every tax bill is simulated again from scratch.
To simulate every year, every account and every tax bill again, from scratch.
Measured in the browser, on a phone and on a desktop.
See which option wins. Take nothing on trust.
Two futures
Run both versions side by side, and see exactly what choosing one over the other costs you.
An answer you understand beats one you’re handed.
Everything explained
Every figure here and in the simulator traces back to the rule that produced it, and where we fall short of the real thing we say so rather than hoping you do not notice.
- The source. Rates, thresholds, bands and allowances come from the published HMRC tables and the legislation behind them. Every calculator cites the pages it used.
- The limits. Where something is approximated rather than modelled exactly, we say so, and in which direction and by how much.
Walk into any adviser’s office already knowing your numbers.
Simulation only
This is a software product, not a financial service. It shows you what the rules produce from the numbers you give it, and it stops there.
- We compute, not sell. Every figure is a rule from legislation applied to the numbers you entered. No provider is suggested, ranked or scored anywhere in it.
- We explain, not advise. It shows what the rules produce from your numbers, and why, but never makes a personal recommendation. That is a job for a regulated adviser who knows your circumstances.
Check our sums before you trust our plans.
Our calculators
The calculators are free, need no sign-up, and are computed from the same published HMRC tables the simulator uses. Check the arithmetic on one before you trust the rest. Browse them all.
- PAYE take-home. Gross salary to monthly and annual take-home, with the Income Tax and National Insurance breakdown.
- Stamp Duty. The tax due on a purchase, including first-time-buyer relief and the additional-property surcharge.
- Mortgage overpayment. How much interest and time a regular overpayment saves over the life of your mortgage.
