Financial & Utility Suit
Free, privacy-first tools for finance, education, and daily productivity. No signup or personal data required.
Take-Home Pay Calculator
Detailed breakdown of your net salary for 2025/26 including Income Tax, NI, and student loans.
Go to CalculatorIR35 Status Checker
Self-assessment tool to determine if your contract falls inside or outside IR35 legislation.
Go to CalculatorDividend vs Salary
Compare the total tax paid and net take-home between basic salary and dividend payment models.
Go to CalculatorPercentage Calculator
Universal tool for percentage of values, percentage change, and fractional proportional math.
Go to CalculatorLoan Calculator
Calculate monthly payments, total interest, and the true cost of credit for any loan or mortgage.
Go to CalculatorWait, which one do I need?
If you’re new to contracting, start with the IR35 Checker to determine your employment status. Once you know your status, the Take-Home Pay calculator will show you exactly what to expect in your bank account each month.