Disclaimer

Last updated: 3 September 2026

Calculators are estimates

WorkSmartMoney calculators are designed to help you understand and compare things such as salary, take-home pay, working hours and freelance income.

Results are estimates based on the information you enter, the assumptions used by each calculator and the tax year or rules shown on the relevant page. They may not exactly match your payslip, tax bill, pension deductions or personal circumstances.

Not financial, tax, legal or employment advice

The calculators, guides and other information on WorkSmartMoney are provided for general informational and educational purposes only. They are not personal financial, tax, accounting, investment, legal or employment advice.

WorkSmartMoney does not make recommendations about what job to take, how many hours to work, how much to charge, which pension arrangement to use or what financial decisions you should make.

Your circumstances may be different

Actual pay and tax outcomes can depend on circumstances that are not included in every calculator or scenario.

Depending on the calculation, relevant factors can include your tax code, multiple jobs or income sources, bonuses, benefits, student or postgraduate loans, National Insurance treatment, pension arrangements, salary sacrifice, irregular pay and other deductions.

A calculator result should therefore be treated as an illustration of the scenario entered rather than a personalised statement of what you will receive or owe.

Tax rates and rules can change

WorkSmartMoney aims to keep its calculators and guidance accurate and up to date, but tax rates, thresholds, allowances and other financial rules can change.

Where a calculator relates to a specific tax year, the tax year used will be shown on the calculator. Content may also be updated when official rules or guidance change.

Check important decisions

You should not make an important financial, tax, employment or business decision solely on the basis of a WorkSmartMoney calculation.

If you need an exact calculation or advice specific to your circumstances, check the relevant official guidance or speak to an appropriately qualified professional.

For UK tax and National Insurance information, official GOV.UK and HM Revenue & Customs guidance should be treated as the authoritative source.

Accuracy and availability

Reasonable care is taken when creating and maintaining WorkSmartMoney, but the website may occasionally contain errors, become temporarily unavailable or require updates as calculations, content and features are improved.

No guarantee is made that every calculation, estimate or piece of information will always be complete, accurate, current or suitable for every individual circumstance.

Responsibility for using the website

You are responsible for checking the information you enter into a calculator and for deciding how, or whether, to use the resulting information.

To the extent permitted by law, WorkSmartMoney is not responsible for losses arising solely from reliance on calculator estimates or general information provided by the website.

Nothing in this disclaimer excludes or limits any liability that cannot lawfully be excluded or limited.

Third-party information and services

WorkSmartMoney may refer or link to information, websites or services provided by third parties. Those third-party services are outside WorkSmartMoney's control and may have their own terms, policies and information.

Changes to this disclaimer

This disclaimer may be updated as WorkSmartMoney develops or as the calculators, content and services change. The latest version published on this page applies to your use of the website.