LIVE
UK Take-Home Pay Calculator
See your estimated take-home pay after Income Tax, National Insurance, pension contributions and student loan repayments.
Roadmap
We're just getting started.
See what you can use today, what's coming next and the ideas being explored for WorkSmartMoney.
Live now
These are the calculators and guides you can use right now.
LIVE
Reduce My Hours Calculator
See how working fewer hours could affect your salary and take-home pay, including what each extra hour off would cost you.
LIVE
Salary vs Freelance Calculator
Compare your employment package with a freelance scenario and calculate the break-even hourly rate.
LIVE
Salary to Hourly Rate Calculator
See your headline hourly rate and the effective value of the hours you actually work.
LIVE
Freelance Break-Even Calculator
Work backwards from your current salary and employer pension to the freelance rate you need.
LIVE
Guides
Plain-English explanations covering take-home pay, working hours, freelance rates and salary comparisons.
Coming next
These are the next tools I want to add to WorkSmartMoney.
COMING SOON
Hourly to Salary Calculator
Convert an hourly rate into weekly, monthly and annual salary figures using your own working hours.
COMING SOON
Salary Increase Calculator
See what a pay rise could mean for your annual salary and monthly take-home pay after tax.
COMING SOON
Part-Time Salary Calculator
Work out a pro-rata salary when changing your weekly hours or moving between full-time and part-time work.
COMING SOON
Overtime Pay Calculator
Estimate what extra hours or overtime rates could add to your gross and take-home pay.
COMING SOON
Salary + Freelance Income Calculator
Model PAYE salary and freelance side-income together, including how the extra income affects your tax.
COMING SOON
Freelance Tax Reserve Calculator
Estimate how much of your freelance income you may want to put aside for Income Tax and National Insurance.
Exploring
These are ideas I like, but they’re a bit further down the list.
EXPLORING
Pension & SIPP Calculator
Explore pension contributions, tax relief and how different contribution levels could affect your long-term pot.
EXPLORING
NHS Take-Home Pay Calculator
Estimate NHS take-home pay with NHS Pension Scheme contributions and other NHS-specific pay considerations.
EXPLORING
Retirement & FIRE Calculators
Explore how today’s salary, saving and working choices could affect your path to financial independence.
EXPLORING
Saved Scenarios
Save and compare different salaries, working hours, pension contributions and freelance rates.
EXPLORING
Personal Dashboard
Use one set of figures across multiple WorkSmartMoney calculators.
EXPLORING
Shareable & PDF Results
Save or share a clean summary of a calculation.