Tools That Do the Hard Numbers for You

Model exactly how the income tax personal allowance freeze affects your take-home salary. Enter your gross annual income to see the real cost of fiscal drag across 2024–2028.

• ✓ Salary input with real-time tax calculation
• ✓ National Insurance freeze modeler
• ✓ Year-by-year comparison 2024–2028
• ✓ Disposable income change projection

Enter your date of birth to find your age-based Cash ISA and Stocks & Shares ISA allocation under the proposed 2027 modernization rules. Model the £20,000 total allowance split.

• ✓ Age-based allowance calculation
• ✓ £20,000 total ISA limit split modeler
• ✓ Cash vs Stocks allocation optimizer
• ✓ Provider comparison framework

Calculate how many months of expenses your current savings cover, then build a week-by-week plan to reach your 3-month or 6-month emergency fund target.

• ✓ Current coverage month calculation
• ✓ 30-day rapid savings planner
• ✓ High-yield account interest projections
• ✓ US and UK bank rate integration

Input your current mortgage balance and rate, then model the monthly payment change when remortgaging at the current Bank of England base rate environment.

• ✓ Monthly payment comparison (old vs new rate)
• ✓ Total interest cost over remaining term
• ✓ Break-even refinance analyzer
• ✓ Current rate context from Money Pulse

Quantify how a 0.25% or 0.5% rate change ripples through your savings accounts, variable-rate debt, and fixed income portfolio. Works for both UK and US rate environments.

• ✓ Savings account interest gain per rate cut/rise
• ✓ Variable mortgage/loan impact calculation
• ✓ Portfolio bond price sensitivity estimator
• ✓ US and UK dual-market mode

Enter your freelance or side hustle gross income to see the real take-home after income tax, National Insurance (UK), or self-employment tax (US). Fully updated for 2026 thresholds.

• ✓ UK NI Class 2/4 and income tax calculation
• ✓ US self-employment tax at 15.3%
• ✓ State income tax estimation (US)
• ✓ Hourly rate vs annual income toggle

Estimate your capital gains tax liability on crypto disposals. Covers UK HMRC self-assessment rules (annual CGT allowance, cost basis pooling) and US Schedule D reporting.

• ✓ UK HMRC Section 104 cost pooling method
• ✓ US short-term vs long-term CGT rates
• ✓ Annual exemption allowance modeler (UK/US)
• ✓ Staking/airdrop income classification