Last updated: 3 September 2026
WorkSmartMoney provides free calculators and educational content designed to help you understand topics such as salary, take-home pay, working hours, freelancing and related financial decisions.
Calculator results are estimates
Results are based on the information you enter and the assumptions used by each calculator. Although reasonable care is taken when building and maintaining the calculations, the figures should be treated as estimates rather than guaranteed results.
Your actual pay, tax or financial position may differ because of circumstances that are not fully captured by a calculator, such as benefits, bonuses, multiple jobs or sources of income, benefits in kind, irregular pay, payroll timing, unusual pension arrangements or other deductions.
Not financial or tax advice
Nothing on WorkSmartMoney should be treated as personal financial, tax, legal, employment or investment advice.
The calculators and guides are intended to help you explore and understand different scenarios. Important financial or employment decisions should be checked against official guidance or discussed with an appropriately qualified professional where necessary.
Accuracy and availability
WorkSmartMoney aims to keep its calculators and information useful and up to date, but tax rules, thresholds and other financial information can change.
The site may also occasionally be unavailable, contain errors or be updated as features and calculations are improved.
Your responsibility
You are responsible for checking that the information you enter is correct and for deciding how, or whether, to use the results. WorkSmartMoney should be one source of information rather than the sole basis for an important financial decision.
Use of the website
You may use WorkSmartMoney for personal, lawful purposes. You must not misuse the website, attempt to interfere with its operation or use automated systems in a way that places an unreasonable load on the service.
Third-party websites and services
WorkSmartMoney may link to websites or services operated by third parties. Those websites and services are outside WorkSmartMoney's control and may have their own terms, privacy policies and content.
Liability
WorkSmartMoney is provided for general information and educational purposes. To the extent permitted by law, WorkSmartMoney is not responsible for losses arising solely from reliance on calculator estimates or general information published on the website.
Nothing in these terms excludes or limits any liability that cannot lawfully be excluded or limited.
Changes to these terms
These terms may be updated as WorkSmartMoney develops. The latest version published on this page applies to use of the website.