Free tools
Every one of these answers a question about your own money with your own numbers. None of them asks for an email first, and none of them shows you a result you have to pay to read.
Keeping more
The money you don't see leaving your accountWhat your employer really pays for you, and how much more you could invest every month without changing job. 22 countries.Salary by countryThe gap between what an employer spends and what reaches your account, with every contribution named and every rate checked and dated.Day rate calculatorEvery other calculator divides your salary by working days. Your employer spends 11% to 34% more than your salary, and that is the number to start from.Bonus sacrifice calculatorSacrifice calculators assume a flat salary. On commission the maths is different, and between £100,000 and £125,140 you keep 38p of every pound.
Financial freedom
The rates behind the country tools are checked against each country’s own tax authority, with the source and the date on the page. How every number is worked out is in the methodology.
The writing is separate, in the blog.