About Tax Is Hard

See how your financial decisions fit together

Explore salary, company income, buying a home and changes in family or work. Compare estimates and assumptions before discussing the results with your accountant.

Find your starting point Try the salary calculator

Start with the public calculators without an account. Account features and their availability are explained on the plans page.

These calculations are estimates only and should not be relied upon for tax filing or financial decisions. Your actual tax liability may differ. Read disclaimer

Start with the decision you are making

Useful for a first job or home, and for company owners and households with several sources of income. You can explore the tools without committing to a financial decision.

Salary, pensions and a changing income

Explore take-home pay and pension inputs, then compare a different income or working pattern.

Open the salary calculator

Company owners and their households

Model salary, dividends, ownership and money retained in a company across accounting periods.

Open the company model

Buying a home

Include the deposit, purchase taxes, fees and a cash buffer alongside mortgage repayments.

Build a home-buying budget

Self-employment and property income

Bring business income, costs and property questions into the same planning journey.

Explore self-employment and property

Investments and international income

Explore share pooling and capital-gains estimates, or look at the foreign-income calculator.

Browse more calculators

Selling a business or planning a transition

Explore Business Asset Disposal Relief inputs and find tools for a change in work, family or retirement plans.

Find tools for a life event

Try a model with example inputs

These illustrative templates begin in 2024. Check the dates, change the assumptions and run the calculator to see the resulting estimates. They are examples of inputs, not customer results or promised savings.

Self-employed invoices

A small collection of invoices and business costs.

Open example: Self-employed invoices

A company director

Salary, dividends and company cash in a director model.

Open example: A company director

Two people in a company

A director and spouse with ownership and salary inputs.

Open example: Two people in a company

A model you can question

Calculations and scenario comparisons depend on the inputs and rules represented in the model. Suggestions flag possible allowances or reliefs to investigate; they do not establish eligibility or tell you what to do.

R&D modelling does not assess whether your activities qualify for relief. Future-year assumptions and your own circumstances need checking before you rely on a result.

Keep the next step practical

Change one assumption and compare the result.
Check the relevant official guidance linked from the tools and guides.
Discuss decisions and eligibility with a qualified professional.

Read the guides

Choose features when you need them

Use the public planning tools first. The pricing page lists current account features, VAT-inclusive prices and whether checkout is available. Paying accounts and administration require two-factor verification.

View plans and availability Ask about your use case