Change history

25 October 2026

Expanded to 30 tools, including bonus versus pension, the £100,000 allowance taper, mortgage overpayments, savings tax, regional property taxes and longer-term planning comparisons. Added balance projection charts and a directory grouped by topic.

Added student loan repayment, salary sacrifice, pension tax relief, Child Benefit charge, part-time pay and mortgage affordability calculators. Salary benchmarks now use ONS earnings statistics and the National Living Wage, with source notes.

First release: England 2026/27 annual take-home estimate, with Income Tax, Personal Allowance taper and annual-threshold employee National Insurance. The initial version excluded pension contributions and loans. The calculator now supports salary sacrifice, net pay, relief-at-source pensions and Plans 1, 2, 4, 5 plus postgraduate loans. The redesigned interface opens directly on the calculator.