Clear answers to the money questions that come with a family, with every line of the sum on show. Free calculators, current UK rules, and nothing you type leaves your device.
Each answer is a worked scenario. Open a card for the full working.
Childcare and pensions
−£11,120
Funded hours and Tax-Free Childcare lost at £110,000 with a child in nursery. A £10,000 pension payment gets it all back for £4,000.
For parents earning around £100k who pay for childcare
Pay and bonuses
−£6,320
A £10,000 bonus on a £95,000 salary, with a child in nursery, leaves the family worse off than no bonus at all.
For anyone with a bonus or pay rise due, especially near £60k or £100k
Work and childcare
−£393a month
Dropping from five days to three on a £40,000 salary. The payslip falls by £1,333 a month; tax and nursery savings cover the rest.
For working parents with a child in nursery
Child Benefit
37pkept of each £1
With four children, the Child Benefit charge adds 21p to the income tax and NI on every pound earned between £60,000 and £80,000.
For families claiming Child Benefit, with a parent on £60k to £80k
Cars and pay
+£170a month
Saved by a £65,000 earner leasing a £450-a-month electric car through work, instead of leasing the same car privately.
For employees whose employer offers, or could offer, a car scheme
Mortgage and pensions
+£16,830
Where a £65,000 earner ends up at 60 by paying £200 a month into a SIPP and clearing the mortgage at 57, instead of overpaying.
For homeowners with a mortgage and money to spare each month
Student loans
−£38,077
The extra cost of overpaying £200 a month for a Plan 2 graduate on £45,000, whose loan was going to be written off anyway.
For graduates repaying a student loan, and parents of students
Work and childcare
+£237a month
A parent on £108,000 drops to four days, falls under £100,000, and the family's childcare support comes back.
For families with a parent just over £100k
Pay and bonuses
29pin the pound
With a Plan 2 student loan, income tax, the vanishing personal allowance, NI and repayments take 71p of every pound.
For earners near £100k with a student loan
Cars and pay
+£660a month
A parent on £103,000 with a child in nursery. The salary sacrifice takes them under £100,000, and the family's childcare support comes back.
For parents just over £100k whose employer offers a car scheme
A number on its own asks you to take it on trust. So every result here can be turned over to show the sum behind it, line by line. Check it, follow it, and see exactly where your family is different.
The £100k cliff edge
+£7,120
better off this year, and £10,000 more in the pension.
A parent on £110,000, a partner on £45,000 and a child in nursery. One pension payment brings back £11,120 of childcare support.
The working
The pension payment costs £4,000, not £10,000, because income between £100,000 and £125,140 is taxed at an effective 60%. Every step, explained.
Each calculator opens with a worked scenario filled in, so you can see how it works before you type anything.
Childcare and pensions
See what the cliff edge costs your family, and what it would take to get the support back.
Open the calculatorFor parents earning around £100k who pay for childcare
Child Benefit
How much Child Benefit you repay, and what a pension payment that keeps it would really cost.
Open the calculatorFor families claiming Child Benefit, with a parent on £60k to £80k
Pay and bonuses
After tax, NI, student loan, the Child Benefit charge and any childcare support it costs.
Open the calculatorFor anyone with a bonus or pay rise due, especially near £60k or £100k
Work and childcare
Your household money after tax and nursery fees, for every pattern from five days to none.
Open the calculatorFor working parents with a child in nursery
Mortgage and pensions
Which route leaves you better off, and how much growth the pension needs to win.
Open the calculatorFor homeowners with a mortgage and money to spare each month
Student loans
If you’re on track to clear it, and whether overpaying or investing leaves you better off.
Open the calculatorFor graduates repaying a student loan, and parents of students
Cars and pay
What a car through work really costs after tax, against leasing the same car yourself.
Open the calculatorFor employees whose employer offers, or could offer, a car scheme