Planning routes
Work from today's pay to longer-term choices
Start with the number you are trying to understand: monthly pay, a pay rise, pension sacrifice, a savings target, a mortgage payment, or a tax bill. The calculators keep the important assumptions visible so you can compare scenarios without losing the headline answer.
UK tax-year rules, allowances, pension assumptions and investment inputs are shown where they affect the result. The outputs are planning estimates, not regulated financial advice.
Considering salary sacrifice?
Use Salary Sacrifice to see the take-home impact, then Pension Forecast to understand how larger pension contributions might affect the long-term projection.
Checking a pay rise?
Start with Pay Rise to compare before and after deductions, then use Take Home Pay Bands if you want to see how the same salary sits against nearby earnings levels.
Testing savings and tax outcomes?
Use ISA and compound growth for longer-term scenarios, then check whether a disposal could create a Capital Gains Tax estimate.