Stop guessing with
your money.
Simple, private calculators for the questions that keep you up at night.
Carer's limits, side hustle taxes, and the "work vs benefits" trap.
Popular Tools
Is it worth working?
The flagship calculator. Work vs benefits, childcare & costs in one view.
Carer's Safe-Zone
NEWAvoid the cliff edge. Check exactly how many hours you can work safely.
Side Hustle Tax
NEWeBay/Vinted reporting rules. Do you need to declare your sales?
Universal Credit
Accurate estimate including LHA, childcare element and work allowances.
Childcare vs Work
See the real value of "one more day" after childcare costs.
Maternity Pay
Convert salary to monthly maternity pay. Plan your leave income.
Student Loan
NEWPlan 1, 2, 4 & 5. See exactly what comes out of your payslip.
Marriage Allowance
NEWAre you missing £252/year free cash? Check eligibility.
Latest Guides
The "Side Hustle Tax" Truth vs Panic
Do you really need to declare Vinted sales? The £1,000 allowance explained.
Student Loan Plans Explained (2025)
Plan 1, 2, 4 or 5? Thresholds, interest rates and write-off dates.
How to claim Marriage Allowance
Don't miss £252/year (plus £1,000 backdated). Eligibility rules.
Why use these tools?
Most government calculators give you a number. We give you a decision.
We factor in the hidden costs, the tax traps, and the real-world trade-offs.