Should I?
A calculator tells you what you owe. These work out what to do about it — every option compared on your own figures, with the arithmetic shown.
Each tool asks a few questions, then compares every legitimate option side by side. None of them recommends a product, and all of them show what they cannot see.
21 tools, all using the same tax engine — so they cannot disagree with each other.
Everyone
What can I still do before the tax year ends?
Every allowance that resets on 6 April, what each one is worth to you, and how long is left to use it. Use-it-or-lose-it items first.
3 steps · 8 questionsShould we claim Marriage Allowance?
Works out whether transferring part of one personal allowance to the other partner saves tax, what it is worth, and how much four backdated years would add.
2 steps · 4 questionsShould I keep claiming Child Benefit?
Works out the High Income Child Benefit Charge on your income, what a pension contribution would save, and why opting out of the payment is almost never the right answer.
2 steps · 4 questionsShould I buy back missing National Insurance years?
Compares the cost of a voluntary Class 3 contribution against the extra State Pension it buys, and how long it takes to get the money back.
2 steps · 5 questionsShould I put my savings in Premium Bonds or a savings account?
Compares Premium Bonds, a savings account and a cash ISA after tax on your own income — the prize is tax free, interest is not once it passes your savings allowance, and that is what decides it.
3 steps · 9 questionsCan I reduce my tax by giving to charity?
Shows what the charity reclaims, what you can claim back, and whether the donation moves you out of a higher band.
2 steps · 3 questionsShould I use Rent a Room relief?
Compares the £7,500 Rent a Room allowance against deducting your actual costs. The allowance is not automatic above the threshold, and choosing wrong costs real money.
2 steps · 5 questionsShould I sell this before or after 5 April?
The capital gains exempt amount resets every 6 April and never carries forward. Splitting a disposal across two tax years can use two of them.
2 steps · 6 questionsHigher earners
Should I make a pension contribution?
You have spare cash. This compares putting it in a pension, an ISA, or leaving it in savings — projected forward and taxed correctly at both ends.
3 steps · 7 questionsHow can I reduce my higher-rate tax?
Finds the thresholds sitting above and below your income, and shows what a pension contribution to each one is actually worth — including the 60% band and the child benefit charge.
3 steps · 5 questionsWhat can I still do before the tax year ends?
Every allowance that resets on 6 April, what each one is worth to you, and how long is left to use it. Use-it-or-lose-it items first.
3 steps · 8 questionsShould I sacrifice salary into my pension?
Compares a salary sacrifice against paying into the same pension from taxed pay. The income tax relief is identical; the National Insurance is not, and that is the whole difference.
2 steps · 4 questionsShould I keep claiming Child Benefit?
Works out the High Income Child Benefit Charge on your income, what a pension contribution would save, and why opting out of the payment is almost never the right answer.
2 steps · 4 questionsShould I put my savings in Premium Bonds or a savings account?
Compares Premium Bonds, a savings account and a cash ISA after tax on your own income — the prize is tax free, interest is not once it passes your savings allowance, and that is what decides it.
3 steps · 9 questionsCan I reduce my tax by giving to charity?
Shows what the charity reclaims, what you can claim back, and whether the donation moves you out of a higher band.
2 steps · 3 questionsShould I sell this before or after 5 April?
The capital gains exempt amount resets every 6 April and never carries forward. Splitting a disposal across two tax years can use two of them.
2 steps · 6 questionsEmployed
Should I make a pension contribution?
You have spare cash. This compares putting it in a pension, an ISA, or leaving it in savings — projected forward and taxed correctly at both ends.
3 steps · 7 questionsHow can I reduce my higher-rate tax?
Finds the thresholds sitting above and below your income, and shows what a pension contribution to each one is actually worth — including the 60% band and the child benefit charge.
3 steps · 5 questionsShould I sacrifice salary into my pension?
Compares a salary sacrifice against paying into the same pension from taxed pay. The income tax relief is identical; the National Insurance is not, and that is the whole difference.
2 steps · 4 questionsShould we claim Marriage Allowance?
Works out whether transferring part of one personal allowance to the other partner saves tax, what it is worth, and how much four backdated years would add.
2 steps · 4 questionsShould I take a company car?
Compares a company car against buying privately and claiming mileage, using the benefit-in-kind percentage for the actual car.
2 steps · 7 questionsSelf-employed
Should I make a pension contribution?
You have spare cash. This compares putting it in a pension, an ISA, or leaving it in savings — projected forward and taxed correctly at both ends.
3 steps · 7 questionsWhat can I still do before the tax year ends?
Every allowance that resets on 6 April, what each one is worth to you, and how long is left to use it. Use-it-or-lose-it items first.
3 steps · 8 questionsShould I buy back missing National Insurance years?
Compares the cost of a voluntary Class 3 contribution against the extra State Pension it buys, and how long it takes to get the money back.
2 steps · 5 questionsShould I incorporate?
Compares the total tax on the same profit as a sole trader and as a limited company, with the running costs of the company included.
2 steps · 3 questionsShould I register for VAT?
Compares staying unregistered, registering and raising your prices, and registering and absorbing the VAT — using the mix of business and consumer customers you actually have.
2 steps · 3 questionsWhich VAT scheme saves me more?
Compares the standard scheme against the Flat Rate Scheme on your own turnover, costs and sector percentage — including the limited cost trader rule.
2 steps · 5 questionsShould my spouse be paid by the business?
Models paying a spouse or partner for work they genuinely do, and shows the household tax saved — with the point at which it stops being worth it.
3 steps · 6 questionsShould I claim mileage or actual vehicle costs?
Compares the flat approved mileage rate against claiming the business share of what the vehicle really costs you.
2 steps · 5 questionsShould I claim actual or simplified expenses?
Compares HMRC's flat monthly rate for working from home against claiming the business proportion of your real household costs.
2 steps · 5 questionsShould I buy this before the year end, and should I lease it?
Compares buying an asset before your year end, buying it after, and leasing it — on the tax relief each one gives and when you get it.
2 steps · 6 questionsLimited company
Should I take salary, dividends or pension?
You run a limited company and need money out of it. This compares every legitimate mix — salary, dividends and an employer pension contribution — on the same profit and the same cash in your pocket.
3 steps · 7 questionsShould I incorporate?
Compares the total tax on the same profit as a sole trader and as a limited company, with the running costs of the company included.
2 steps · 3 questionsShould I register for VAT?
Compares staying unregistered, registering and raising your prices, and registering and absorbing the VAT — using the mix of business and consumer customers you actually have.
2 steps · 3 questionsWhich VAT scheme saves me more?
Compares the standard scheme against the Flat Rate Scheme on your own turnover, costs and sector percentage — including the limited cost trader rule.
2 steps · 5 questionsShould I take a company car?
Compares a company car against buying privately and claiming mileage, using the benefit-in-kind percentage for the actual car.
2 steps · 7 questionsShould my spouse be paid by the business?
Models paying a spouse or partner for work they genuinely do, and shows the household tax saved — with the point at which it stops being worth it.
3 steps · 6 questionsShould I hold rental property in a company?
Compares holding rental property personally against through a company, with the finance-cost restriction, corporation tax and the cost of getting the money back out all counted.
2 steps · 7 questionsShould I buy this before the year end, and should I lease it?
Compares buying an asset before your year end, buying it after, and leasing it — on the tax relief each one gives and when you get it.
2 steps · 6 questionsContractor
Landlord
Should I hold rental property in a company?
Compares holding rental property personally against through a company, with the finance-cost restriction, corporation tax and the cost of getting the money back out all counted.
2 steps · 7 questionsShould I claim mileage or actual vehicle costs?
Compares the flat approved mileage rate against claiming the business share of what the vehicle really costs you.
2 steps · 5 questionsShould I use Rent a Room relief?
Compares the £7,500 Rent a Room allowance against deducting your actual costs. The allowance is not automatic above the threshold, and choosing wrong costs real money.
2 steps · 5 questionsShould I sell this before or after 5 April?
The capital gains exempt amount resets every 6 April and never carries forward. Splitting a disposal across two tax years can use two of them.
2 steps · 6 questionsDeadlines, rate changes and what to claim
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