Takehome Pay

See your money over the years ahead, not just this payslip.

Enter your household's numbers once and see take-home computed to the pound across every UK employment structure — permanent, inside IR35, outside IR35, limited company, sole trader, umbrella — then projected over the next five years. The projection is the point: take-home, tax by bracket, savings, and the thresholds waiting further up the curve.

The problem

Someone weighing a contract offer against a salary gets single-number calculators built in the AdSense era, or an accountant's hourly rate. Neither shows how the choice actually plays out over years, which is the only question worth asking. Every threshold and rate lives in per-tax-year data files rather than code, so the April update is a data change and the thing doesn't rot.

Key features

• Six employment structures from one set of inputs, checked against HMRC worked examples
• A five-year projection of take-home, tax and savings, not a single number
• The £100k taper, child benefit and student loans in the model rather than in a footnote
• Free to try with nothing stored until you save

Built with — how & why

• 
  TypeScript
• 
  FastAPI
• 
  PostgreSQL
• 
  Python
• 
  Docker
• 
  Redis