Your money, working together
Make the next
decision clearer.
Good decisions compound. Start with the choice in front of you, compare the trade-offs and use one profile across every tool. Everything runs in this browser—no account or sign-up needed.
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.
Welcome back
Your saved profile is ready.
Your five essentials are already applied on this browser. Continue straight to the joined-up plan or review them first.
Five essentials · About one minute
Start with five numbers. Use them everywhere.
Add your salary, age, target age, pension-access age and annual spending. Save once and HENRY will carry them into your plan. Everything stays in this browser.
New flagship · 2026/27
HENRY Tax-Year Optimiser
Bring the household’s separate tax-year checks into one plan. See what needs verifying before 5 April, what allowance remains and which HENRY tool answers the next question.
One tax year. One household action plan.
Start with estimates, then replace them with figures from
payslips, pension records and ISA providers. Nothing entered here
is submitted to HENRY.
Optional. This reads only the plan saved in this browser.
Your current-year position
Use adjusted net income—not simply salary—where you know it.
Partner’s current-year position
Allowances and pension limits remain individual even when goals are shared.
Prioritised review
Your five tax-year checks
Preparation progress
Keep track on this device
This organises checks; it does not recommend a contribution, product or transfer. Pension headroom, personal tax-relief capacity and cash affordability are different tests.
How was this calculated?
Cash resilience divides cash by essential monthly spending and uses three months only as a visible planning check—not a universal recommendation. ISA room uses the current £20,000 allowance for each adult less contributions entered for 2026/27.
The Personal Allowance flag compares entered adjusted net income with £100,000. Pension capacity uses only the additional headroom you say has already been verified; the tool does not infer it from pension input.
The tax year runs from 6 April to 5 April. Provider and payroll cut-offs can be earlier. GOV.UK ISA rules ↗ · GOV.UK pension annual allowance ↗
Flagship decision engine · Your data stays on this device
My HENRY Plan
Connect the numbers that usually live in separate calculators, then see which three financial questions the model would investigate first—and why.
Your scenario, joined up.
Use today’s values
and contributions. Do not include your home in investments.
Nothing you enter is submitted to HENRY.
1. Define the destination
Partner details
2. Add the assets you can use
3. Stress-test the route
Add income and mortgage context
These figures do not increase your freedom assets. They help identify which specialist calculator should verify the plan next.
What belongs in each pot?
Accessible investments are assets you could use before pension access, such as ISAs and taxable investments. Cash reserved for emergencies is entered separately.
Pension investments are defined-contribution pots. This plan does not model defined-benefit income, State Pension, tax on withdrawals, your home or other future income.
Use a return after fees and inflation. Contributions are held constant in today’s money.
Compare the same monthly budget
Side-by-side routes
Each route uses the same extra monthly cash budget. Values are illustrations, not a recommendation.
The pension tax illustration must use one person’s income and allowances. It never combines two taxpayers.
The pension route estimates a gross contribution for the selected person that produces the entered net-pay cost using simplified 2026/27 income tax and employee NI. It does not test annual allowance, tapering, MPAA, minimum-wage rules or employer restrictions. Mortgage results show debt and interest changes, not an investment return. Check provider rules, allowances, charges and advice before acting.
“Next best” means the first question this model would investigate—not a personal recommendation. The ranking uses only the figures shown on this device and cannot assess products, protection, tax records or your full circumstances.
How was this calculated?
Freedom target = annual spending ÷ withdrawal rate. Current accessible and pension assets are projected to your target year using a constant real return and monthly contributions.
The bridge is the capital needed at the target to fund the period until pension access. In household mode, it runs to the first partner’s pension access; it does not test whether that first accessible pot alone can fund the household thereafter. The bridge is compared only with projected accessible investments.
The monthly gaps show the additional constant contribution required under these assumptions. The action order first checks short-term cash resilience, then the accessible bridge, then the overall target. It does not optimise products or give a personal recommendation.
Capital allocation
HENRY Allocation Lab
Where should your next £10,000 go? Compare what the same gross bonus or pay slice could do as cash, an ISA investment, pension salary sacrifice or a mortgage overpayment.
One amount. Four different trade-offs.
This
compares scenarios—it does not choose one for you. Tax and pension
calculations apply to one employee, even when you import a
household plan.
Optional. Saved data stays on this device.
Add resilience, pension and mortgage context
Enter headroom you have already checked. This is not the same as personal tax-relief capacity.
becomes of estimated spendable pay now, or the full gross amount into a pension through salary sacrifice.
Cash reserve
Accessible immediately; no real growth assumed.ISA investment
Accessible, but returns are uncertain. Check available ISA allowance.Pension salary sacrifice
Not normally accessible until pension age.Mortgage overpayment
Reduces debt; check charges and overpayment limits.This is an educational comparison, not a recommendation. Liquidity, risk, allowances, employer rules, mortgage terms and your wider household plan can change the right trade-off.
How was this calculated?
The spendable amount is the change in estimated annual take-home pay when the gross amount is removed through salary sacrifice. Income tax and annualised employee NI are recalculated using 2026/27 rates.
Cash and ISA start with that after-tax amount. ISA and pension values grow at your constant real-return assumption. The pension starts with the gross amount. The mortgage illustration applies the after-tax amount to a repayment mortgage and estimates full-term interest saved if payments are recalculated.
It excludes employer pension contributions, student loans, benefits, other income, investment tax and fees, mortgage charges, changing rates and investment volatility. Salary sacrifice requires employer agreement and cannot reduce pay below applicable limits.
2026/27 · UK employment income
Tax & Pension Planner
Explore how illustrative salary sacrifice changes adjusted net income, Personal Allowance and income tax. Includes estimated employee National Insurance and the effect on take-home pay. Salary sacrifice only; not a SIPP tax-refund calculator.
Workplace salary sacrifice
For pensions
taken from pay before tax and NI. If your payslip says “net pay”
or “relief at source”, or you pay into a SIPP, this comparison is
not suitable.
Not sure? Check how your pension works.
1. Your pay
Include expected bonus, vested employment shares and taxable benefits. Confirm the final figure from your tax records.
2. Who pays into your pension?
/ month · / year
/ month · / year
Only the extra amount funded by your employer. Do not include your salary sacrifice again.
Percentages use the full annual pay above. If your scheme uses basic salary, qualifying earnings or a different pay basis, enter the actual £ amount instead. Monthly amounts assume 12 equal payments.
Help with contribution amounts
Use either the percentage from your scheme or type the amount you know. Both contributions can use different units. Annual amounts are best for irregular bonuses or contributions that change during the year.
Changing units rounds to 2 decimal places and recalculates from the displayed amount. The equivalent annual amount can change slightly. Use £ per year when an exact annual contribution matters.
Salary sacrifice needs employer agreement and must respect minimum wage. The illustration assumes no other income, taxable benefits, student loans or deductions, and annualised category A employee NI. HMRC salary-sacrifice guidance.
3. What this means for you
A larger contribution may restore more allowance, but check affordability and pension limits first.
How was this calculated?
Supported: full-year UK employee salary sacrifice for 2026/27. Not for self-employed profits, director salary/dividend planning or SIPP refunds.
Adjusted net income = employment income − salary sacrifice. Tax, Personal Allowance and annualised employee NI are recalculated before and after. Example: £110,000 pay with £10,000 sacrifice reaches £100,000 ANI.
2026/27 · Carry-forward calculator
Pension Headroom v2
Estimate your tapered annual allowance and calculate unused allowance from the previous three tax years—without doing each year separately.
Start with 2026/27.
The first result excludes
carry forward. Add earlier tax years only when you have pension
input and scheme-membership records for each year.
Include employee, employer and third-party contributions across all defined-contribution pensions.
Optional: add carry forward from 2023/24–2025/26
For each year, enter HMRC-defined threshold income, adjusted income and total pension input. Untick membership if you were not in a registered pension scheme.
How was this calculated?
Taper: in each year, the £60,000 allowance reduces by £1 for every £2 of adjusted income above £260,000 only when threshold income is also over £200,000, to a £10,000 minimum.
Carry forward: unused allowance is calculated for each eligible year. Current-year allowance is used first; any excess uses the oldest available year first. You must have been a registered-scheme member in a year to carry its allowance forward.
Accuracy boundary: the calculation stops if a prior-year pension input exceeded that year’s own allowance, because older carry-forward outside this three-year view may already have been used. It also stops for MPAA, defined-benefit and hybrid cases.
Threshold and adjusted income use HMRC definitions and are not simply salary. Headroom is not the same as tax-relievable personal contribution capacity. HMRC carry-forward guidance ↗
Limited-company directors · Decision map
Director Income Map
Bring salary, dividends, other personal income and a planned company pension contribution into one set of checks—without pretending there is one universally “optimal” extraction mix.
Start with the personal side of the decision.
This map does not calculate Corporation Tax, company
affordability or your final tax bill. It identifies the records
and specialist calculations to verify before changing how you take
money from a limited company.
What this first version covers
Supported: a UK limited-company director mapping personal salary, dividends, other taxable income and one planned employer pension contribution for 2026/27.
Not calculated: Corporation Tax, distributable profits, employer or employee National Insurance, expenses, benefits, student loans, director’s loans, IR35, multiple companies, share classes or Scottish dividend interactions.
Directors’ National Insurance is based on annual earnings, dividends require available profits, and employer pension deductibility depends on the facts. Director NI rules ↗ · Taking money from a company ↗ · Employer pension guidance ↗
Before changing extraction
Your four verification checks
This is an educational preparation map, not tax advice or a recommendation to use salary, dividends or pension contributions. Ask your accountant or tax adviser to calculate the company and personal positions together.
How was this mapped?
The starting personal-income figure adds salary, dividends and other taxable income before eligible deductions and reliefs. It is not your final adjusted net income or taxable income.
The checks are triggered by the records you have not verified, the £100,000 adjusted-net-income boundary, the planned company pension contribution and whether flexible pension access may bring the Money Purchase Annual Allowance into scope.
Capital allocation
Mortgage vs Invest
Compare two options using the same starting money and monthly budget: invest the lump sum, or overpay and invest the monthly payment savings.
The investment case relies on a return assumption; the mortgage case improves certainty and lowers leverage.
How was this calculated?
Both routes use the same monthly budget. One invests the lump sum; the other reduces debt and invests the payment saving. Results are investments less remaining debt.
Repayment mortgage only; constant rate. Fees, early-repayment charges, rate changes and volatility are excluded.
Financial independence
Freedom Gap
See how far you are from never needing to work again—and whether accessible investments could bridge the years before pension access.
Plan the pension-access bridge
Use investments available without accessing a pension. Do not include your home or pension funds here.
Pension-access bridge
This tests the years before pension access only. It does not show whether your pension can fund later retirement.
Treat this as a scenario, not a promise. Stress-test lower returns, a lower withdrawal rate and different spending before acting.
How was this calculated?
Freedom number = annual spending ÷ withdrawal rate. The timeline grows total invested assets monthly at the assumed real return and adds monthly contributions.
The bridge target is the value at retirement of level monthly spending until pension access. Accessible investments and monthly accessible savings grow to the target date at the same assumed real return. Tax, fees, investment sequence risk, changing spending and other income are excluded.
Most people cannot normally access personal or workplace pensions before 55, rising to 57 from 6 April 2028. Protected pension ages and ill-health exceptions can apply, so confirm your actual date with each provider. See UK government guidance ↗
A withdrawal rate is not guaranteed income. The overall model excludes your home and State Pension.
Aspiring HENRY pathway
Income Growth Planner
Turn a compensation ambition into a measurable growth rate—and identify the kind of career leverage most likely to matter.
Scarcity compounds when expertise is difficult to hire, tied to an urgent business problem and visible to decision-makers.
How was this calculated?
Required annual growth = (target ÷ current)^(1 ÷ years) − 1. The year-one target applies that growth once.
This is a mathematical planning target, not a salary forecast; it excludes tax, inflation and promotion probability.
Transparent by design
Take the assumptions with you.
Print your current inputs and results to review with your partner or adviser. Nothing is saved to an account. Your HENRY profile supplies shared starting values; a saved calculator scenario restores automatically and takes precedence for that tool. Use Reload saved to discard temporary changes, or Delete saved to remove the stored scenario.
Tax rules checked 6 September 2026 against HMRC 2026/27 rates, taper guidance and pension allowance tables. Models use simplified assumptions and have not been independently reviewed by a financial adviser.
Read the decision guides →