What is free, and what is not
Every calculator, guide and decision tool is free and always will be. An account saves your answers. A paid plan, when it exists, adds the things that cost us money to run.
The rule we hold ourselves to
Nothing a search engine can reach is ever behind a login. The 205 calculators, the guides, the life-event pages, the 20 decision tools and everything on them — the workings, the eligibility tests, the worked examples, the GOV.UK citations — are free to everyone, with no account.
What an account changes is personalisation: remembering your answers so you are asked each question once, keeping your saved decisions so we can tell you when one of them stops being true, and showing the itemised list rather than the total.
| Feature | No accountFree | Free accountFree | PaidNot yet available |
|---|---|---|---|
| 205 calculatorsFree forever, no account, no limits. These are how people find us and they will never be gated. | Yes | Yes | Yes |
| Guides and life-event pages | Yes | Yes | Yes |
| 20 decision toolsIncluding the workings, the eligibility rules, the worked examples and the GOV.UK citations. | Yes | Yes | Yes |
| Tax check14 rules. A guest sees how many findings there are and what they add up to; an account sees what each one is and how to claim it. | Count and total | Itemised, with claim routes | Itemised, plus monitoring |
| Your answers | Saved in your browser | Saved to your account | Saved, plus prior years |
| Four-year look-backMost reliefs backdate four tax years, which is usually where most of the money is. | No | Basic | Full |
| Saved decisions, re-run when rates move | No | Yes | Yes |
| Monthly report | No | Basic | Personalised |
| Document locker | No | No | Yes |
| Open Banking expense sorting | No | No | Yes |
| Self Assessment export pack | No | No | Yes |
About the paid plan
It does not exist yet, and this page says so rather than taking a pre-order. The plan is around £4 a month, and what it will carry is the work that costs us money per user rather than once: the document locker, Open Banking expense sorting, and the Self Assessment export pack.
Open Banking in particular has a real per-user cost and needs an agreement with an authorised provider, which is why it sits behind a price rather than being bundled into the free tier and quietly paid for with advertising.
How the free site is funded
Advertising, and partner links which we disclose on every block that carries one. We show the trigger — the fact about your situation that produced the offer — next to the offer itself, so you can judge the relevance rather than take our word for it. How we are funded, in full.
What we will not do
- Gate a calculator, a guide, or any part of a decision tool that is useful without your figures.
- Recommend a specific financial product to you personally. We show every option with the criteria we ranked them on — that is the difference between information and regulated advice.
- Sell your data, or pass what you tell the tools to anyone. Your profile is either in your own browser or in your account, and nowhere else.
Deadlines, rate changes and what to claim
One email when something changes that affects your money. No daily send, no sponsored filler. Unsubscribe whenever.