Understand your money.Work smarter.Retire sooner.
Free UK salary and tax calculators to help you understand your pay and what your time is worth. Compare employment with freelance work, explore hourly rates and make smarter decisions about your money.
Take-Home Pay Calculator
See how much you'll actually take home after tax, National Insurance and pension.
Salary vs Freelance Calculator
Compare employment and freelance income side by side.
Salary to Hourly Rate
See what your annual salary works out to per working hour.
Cashback & Rewards Calculator
Compare cards to see what your spending could earn in cashback and rewards.
Latest guides
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How is take-home pay calculated?
Understand how tax, National Insurance and pension contributions affect what you actually keep.
Read guide
How to calculate your real hourly wage
Calculate your true hourly rate after allowing for holiday, pension and other employment benefits.
Read guide
How much should you charge as a freelancer?
A practical guide to setting a freelance rate that reflects your salary, time and costs.
Read guideMake smarter decisions about your work and money
WorkSmartMoney helps you understand your pay, calculate take-home income and turn salaries into useful hourly rates.
Comparing a new job? Thinking about reducing your hours or trying freelance work? Our free UK calculators make the numbers easier to understand before you make a decision.
Understand your pay
See what you actually keep after Income Tax, National Insurance and pension contributions.
Compare your options
Put salaries, working hours and freelance rates side by side before making a decision.
Value your time
Convert annual pay into useful hourly figures and see what your working time is really worth.
Thinking about freelancing?
Compare freelance income with employment. Explore day rates, billable time and how much you may need to earn to make freelancing worthwhile.
Compare salary and freelance