What are you planning?
Start with the decision in your life. Build an estimate, gather the right records and check the official next step—whether your finances are straightforward or spread across a household, company and investments.
For detailed tax questions, follow a decision walkthrough and compare the options.
Guidance checked 29 October 2026. Estimates are planning tools. Official eligibility, filing, mortgage offers and professional advice remain separate.
Buy a first home, move or buy another property
See the cash you need to complete and what remains afterward, alongside mortgage payments and an income shock.
Have these ready
- Gather cash savings and net sale proceeds after repaying the old mortgage.
- Budget for purchase tax, legal work, surveys, moving, repairs and a cash reserve.
- Compare monthly repayments with bills and living costs. Check a higher interest rate as well as an income drop.
Purchase budgets cover ordinary individual residential purchases across the UK. Simulations use fixed property values and rates; a lender makes its own affordability assessment.
Official next steps
Get a bonus, a pay rise or cross £100,000
Look at the whole year, including other income, benefits, pension contributions and household childcare support.
Have these ready
- Gather salary, bonus, taxable benefits, savings, dividends and rental income.
- Check adjusted net income rather than looking only at base salary.
- Compare pension contribution estimates with annual allowance and carry-forward checks.
The personal calculator estimates tax and take-home. It does not determine childcare eligibility, value an employee share scheme or make a pension recommendation.
Official next steps
Have a child or change how your household works
A pay change can affect both tax and support. Joint finances also need a plan for parental leave, debt and housing.
Have these ready
- Record each partner’s income separately and the expected change during leave.
- Check childcare support with the official eligibility service; income is only one condition.
- Compare household cash costs and check marriage allowance where relevant.
No childcare entitlement or parental-pay award is calculated here. Use the official checks for eligibility and current entitlements.
Official next steps
Take money from a company or sell a business
Compare pay, dividends, pensions and the timing of a sale, while keeping working capital and personal cash separate.
Have these ready
- Prepare ownership, salary, dividends, company cash and realistic future revenue/costs.
- Save separate scenarios and compare them over matching periods.
- For a sale, collect acquisition costs, prior relief claims and evidence of eligibility for your accountant.
BADR eligibility is not established by an estimate. Disposal dates and changing legislation matter; a complex sale needs specialist review.
Official next steps
Build a pension or prepare to retire
Bring different pensions together in the planning process and check restrictions before assuming a contribution is tax-free.
Have these ready
- Collect pension input statements, including employer contributions and defined-benefit growth.
- Check taper, carry-forward and whether flexible access triggered the money purchase annual allowance.
- Get an official State Pension forecast and prepare spending and cash-buffer scenarios.
This checks contribution allowances, not retirement sustainability, investment selection or a pension-transfer decision.
Official next steps
Sell investments or manage rental property
Separate gains, income and cash proceeds. The tax on an investment sale is not simply a percentage of the money received.
Have these ready
- Collect transaction dates, quantities, costs, fees and previous losses.
- Keep rental interest distinct from other expenses and check personal versus company ownership assumptions.
- Keep money for possible tax separate from your spendable cash.
Share/crypto matching and landlord estimates are available. ISA investment selection and property-sale Private Residence Relief are not calculated.
Official next steps
Move to the UK or receive overseas income
Residence, foreign income, gains and foreign tax credits can interact. A simple foreign-income estimate covers only part of that picture.
Have these ready
- Build a residence timeline and list income and assets by country.
- Collect foreign tax statements and distinguish employment, investment income and gains.
- Check FIG eligibility and the allowances lost on a claim with a specialist before choosing a treatment.
Foreign tax credit estimates are available. Statutory residence, FIG claims, overseas workday relief and treaty determinations are not automated.
Official next steps
Give money to family or prepare for an inheritance
Good records and a clear asset inventory can be as valuable as another tax estimate.
Have these ready
- List assets, debts, ownership, beneficiaries and relevant residence history.
- Record gifts, recipients, dates, values and whether you retained a benefit.
- Prepare wills, estate records and questions for a solicitor or tax adviser.
This is a preparation checklist. Inheritance Tax, trusts, gifts with reservation and estate reliefs are not calculated by this app.
Official next steps
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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