Saving Tool UKAbout
About SavingTool.co.uk
We build free UK calculators and pay guides to make tax, take-home pay and long-term financial planning easier to understand.
Our mission
Saving Tool UK, launched in December 2021, is a suite of tools and information designed to help people estimate taxes, take-home pay, savings, pension growth and more.
The project began as a lockdown side project and has grown into dozens of calculators, pay guides and educational resources. Our goal is simple: make financial information practical, transparent and accessible.
In February 2024 we launched Saving Tool Advanced, a separate product focused on long-term simulation and AI-powered financial insights.
Feedback, issue reports and ideas are always welcome at contact@savingtool.co.uk.
Calculators
- 💰Estimate take-home pay after tax, NI and pension.
- 💼Explore gross vs net pay across UK salary levels.
- 🏥See take-home pay for Agenda for Change bands.
- 🧑💻Calculate tax and NI as a sole trader.
- 📈Work out dividend tax and company extraction.
- 📋Estimate statutory redundancy entitlement quickly.
- 👶Model SMP payments across your leave period.
- 🏦See pension impact on pay and long-term growth.
- 💹Bridge the years before pension access.
- 📊Forecast investment growth over time.
- 🛟Estimate a cash safety-net target by risk level.
- 🎯Estimate the pot size needed for retirement.
- 🏠Calculate monthly repayments and total interest.
- 🏡Work out SDLT on your property purchase.
- ☂️Estimate take-home pay via umbrella company.
- 🔄Compare contractor income across IR35 scenarios.
Pay guides
- 👩⚕️NHS and private sector nursing salaries by band.
- 💻Typical software engineer salaries across the UK.
- 🩺Earnings for salaried and partner GPs.
- 🍎Teacher salary ranges across UK progression points.
- 🚆Regional train driver salaries and take-home pay.
- 📐Quantity surveyor pay by level and location.
- 🔑Base and commission expectations for estate agents.
- ✈️Airline cabin crew pay plus common allowances.
- 🪖Army salaries by rank with indicative take-home.
- ⚠️Understand allowance taper and marginal tax cliffs.
- 📚Browse all professions and salary guide pages.