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Model this year's decision. See what it compounds into.

Salary versus dividend, priced with all your income in the picture, then carried forward over a working lifetime. Plenty of tools do one or the other. This one does both.

Where this actually is

What's built

live and working
paying yourself
  • Salary vs dividend on HMRC's stacking order for 2026/27, with corporation tax marginal relief and the personal allowance taper.
  • What each £1 into a company pension costs you in take-home.
  • The exact best salary for your profit, and what it is worth against a flat £12,570.
  • Employed pay with a bonus, salary sacrifice or relief at source, and both sides of the pension contribution.
  • RSUs, unapproved options and EMI, with vesting schedules and selling on vest or holding.
  • Your effective and marginal tax rate, and the bands applied to your money, including the 60% zone.
  • Scottish income tax for Scottish taxpayers, and student loan repayments on every plan.
the household
  • A partner with their own income, pension and NI record, taxed on their own bands in work and in retirement.
  • Marriage Allowance where it qualifies.
  • Two ages and two retirement dates, working days a week, career breaks and parental leave.
  • Child Benefit, and the charge that claws it back between £60,000 and £80,000.
  • Childcare costs net of the funded hours and Tax-Free Childcare, including the £100,000 cliff, in England, Scotland and Wales.
what you own
  • Cash, ISA, taxable, pensions, company stock and property, minus mortgage and other debt.
  • Individual holdings, with what each one cost you.
  • Six asset classes plus your own, each at its own return, and a glidepath that reduces risk at the ages you choose.
  • Rebalancing every year, or letting the mix drift.
  • Cash earns the cash rate, not the blended one.
month to month
  • A flat saving rate or a real budget.
  • Money fills the cash buffer, then the ISA allowance, then the taxable account, and the split is shown.
  • A milestone timeline: a house, a child, a car, school fees, a pay change, an inheritance. Each is paid from the right pot in the right year.
  • Buying a home with the purchase tax where you live: stamp duty, LBTT or Land Transaction Tax.
the projection
  • A year-by-year table where every row adds up: opening, growth, saved, pension in, outflows, closing.
  • A thousand-run range around the projection, showing how widely the outcomes spread.
  • Two saved plans compared side by side.
  • Observations ranked by what they are worth, from the ones with a deadline to the merely true.
  • Named plans saved in your browser, exported to CSV and imported back, and a printable copy.
after you stop
  • The State Pension from each person's own State Pension age and NI record.
  • Drawing from cash, the taxable account and the ISA, then the pension once it can be reached, grossed up for tax with 25% tax free.
  • A stress test: a market crash in the first years after you stop.
  • Raising cash from the right pot, ranked by what each route costs by the end of the plan.
tax on the way out
  • Capital gains with Section 104 pooling, the annual exempt amount, losses carried forward, and the option to use the exemption every year.
  • Main residence relief, and gains on a second property.
  • Business Asset Disposal Relief up to the £1m lifetime limit.
  • Inheritance tax with the £2m taper, including unused pensions in the estate from April 2027.
Not built

What's missing

roadmap only
The same-day and 30-day share matching rules A sale is matched against the pool, not against shares bought back within 30 days. It only matters if you sell and buy back within the month.
US withholding on RSU vests and double-taxation treaty relief RSUs are taxed as UK income only, with no US tax taken at source first.
Section 431 elections and the EMI, CSOP and SAYE scheme rules Options are taxed on the standard rules. The conditions of the tax-advantaged schemes are not checked.
Business and agricultural relief, trusts, and charitable inheritance-tax rates Inheritance tax is worked out without these reliefs.
IR35 status The director calculations assume you are outside IR35.
The National Insurance annual maximum for people with more than one job Each job is charged its own National Insurance. A refund HMRC makes when the total passes the annual maximum is not counted.
The funded childcare hours in Northern Ireland In Northern Ireland only Tax-Free Childcare is counted.
Leaving profit in the company rather than paying it all out each year All profit after corporation tax is paid out each year. Keeping some in the company to draw later is not an option yet.
The two-point rise in tax on savings and property income from April 2027 Rent and interest in later years are taxed at today's rates.
Tax on dividends and interest arising inside a taxable investment account each year A taxable account is taxed when you sell, as a gain. Dividends and interest inside it are not taxed as they arise.
The Lifetime ISA bonus and withdrawal charge A Lifetime ISA is treated as an ordinary ISA.
Before you ask

The obvious questions

Is it really free?

 Yes. There is no account and no paid tier holding anything back: the detailed plan is the whole tool. It runs on your machine, so one more visitor costs nothing.

What happens to the figures I enter?

 They stay in your browser. Saved plans go to local storage, which is why they don't follow you to another device. The site counts page views and which sections get opened, never a figure from them, and keeps your email only if you ask for updates. What's collected.

How is this different from an accountant or an IFA?

 It isn't advice and doesn't replace them. This is arithmetic that shows its working, so you arrive at that conversation with a specific question.

How much should I trust the numbers?

 As far as its assumptions hold, and they're all on screen: 2026/27 rates and the return you set. The projection is three fixed paths; the thousand-run range beside it varies only the returns, and its spread is an assumption too. Over twenty years that's a description of assumptions, not a forecast.