HHENRYHigh Earner, Not Rich Yet

For UK high earners

Turn income
into lasting wealth.

HENRY helps you make clearer decisions about tax, pensions, investing and freedom—without piecing the answer together across ten different tools.

Start with five numbersChoose my decision
10 live planning toolsPrivate calculations stay on-deviceUK tax context

Choose the question, not the calculator

What do you want to decide today?

Pick one starting point. Each tool works without an account and keeps your figures in this browser.

Before 5 AprilWhat should I do this tax year?Turn household figures into five prioritised checks. Bonus or surplusWhere should my next £10,000 go?Compare cash, ISA, pension and mortgage routes. Tax and pensionWhat would a pension contribution cost?Estimate take-home cost, tax relief and pension value. Financial independenceWhen could work become optional?Model the wealth target and gap using your spending. Joined-up planI want to start with my whole pictureEnter five essentials once and reuse them across HENRY.

One journey. Different starting points.

Where are you now?

01Building incomeIncrease your earning power

Career capital, compensation and high-value skills.

 02High earner · Primary audienceConvert income into wealth

Tax, pensions, investing, property and protection.

 03Financially secureTurn wealth into choice

Optional work, family security and a richer life.

Make the next decision

Stop making expensive decisions in isolation.

Start with the question in front of you, see the trade-off clearly, and carry the assumptions into a better conversation with your partner or adviser.

Start here

Choose the outcome that best matches the decision you are making today.

Best place to start01

Start my HENRY Plan

Answer five essentials once, then use them across your plan and every relevant calculator on this device.

Start with my numbers ↗
New · free tool02

How much ISA allowance have I used?

Reconcile new subscriptions across providers, exclude formal ISA transfers and check flexible withdrawals.

Check my allowance ↗
Before 5 April02

Optimise this tax year

Turn household income, cash resilience, pension headroom and ISA usage into five prioritised checks.

Build my tax-year plan ↗
Returning user03

Open My HENRY

Return to your profile, priorities and saved progress, then see what needs attention next on this device.

Continue my journey ↗
Compare options04

Where should my next £10,000 go?

Compare the same gross bonus across cash, an ISA, pension salary sacrifice and a mortgage overpayment—using your own tax and planning context.

Compare four routes ↗
Explore 6 specialist calculators Tax, pensions, mortgage, freedom and income
Live05

Tax & Pension Planner

See what goes into your pension and what it costs in take-home pay, with UK region-specific tax and NI estimates.

Open calculator ↗
v206

Pension Headroom

Calculate tapered allowance and unused headroom across the current and previous three tax years.

Calculate carry forward ↗
New · Director07

Director Income Map

Connect salary, dividends, other personal income and company pension plans—then take four precise checks to your accountant or adviser.

Map the decision ↗
Live08

Mortgage vs Invest

Compare overpaying with investing on the same monthly budget, including lower-return scenarios.

Compare options ↗
Live09

Freedom Gap

See the capital gap, likely runway and monthly contribution needed to reach a chosen freedom date.

Find your gap ↗
Live10

Income Growth Planner

For aspiring HENRYs: quantify the compensation gap and the career leverage needed to close it.

Build earning power ↗

When a model leaves a question

Ask for the right kind of specialist.

Tell HENRY whether your question concerns tax, pensions, mortgages, protection or financial advice. Do not send account numbers, documents or calculator inputs. We will contact you first and will not pass your details to a provider without separate permission.

Request a specialist shortlist

Designed for real HENRY decisions

One salary. Multiple competing priorities.

£100k tax trapBonus allocationSchool feesMortgage freedomISA bridgeCareer riskFamily protectionEnough

HENRY Knowledge

Answers for the decisions generic finance sites miss.

Read the published articles ↗
Tax & pensions · Decision guide

Why earning £1 more can cost far more than 45p

Understand adjusted net income, the Personal Allowance taper and why the right question is rarely just “how much tax will I pay?”

Read the guide →
DecisionPension, ISA or mortgage overpayment?→ CareerBuild a case for your next income step.→ FreedomCan I retire before pension access?→ TaxWhat does a pension contribution really cost?→

For trusted providers

Reach high earners at the point of decision.

HENRY will work with a small number of relevant UK specialists across tax, advice, mortgages, protection and careers. Commercial relationships will always be labelled and will never buy an editorial conclusion.

Read our commercial standards
Partnership principles
  • High-intent, context-led placements
  • Clear advertising and affiliate labels
  • No speculative or unregulated schemes
  • No selling personal financial data
Discuss a founding partner pilot

Early-stage programme. No guaranteed audience or lead volumes.

The HENRY Brief

Better decisions.
More often.

A concise UK briefing on tax-year deadlines, new planning tools and the decisions that matter when income rises faster than wealth.

Join the early list.

Join the waiting list for the first edition and occasional launch updates. Email delivery is not active yet; joining saves your address but does not send a confirmation email. You can unsubscribe at any time.

HENRY never receives your calculator inputs through this form.