Your figures stay with you

We do not store calculator salary, pension or income figures. Calculations run in your browser. Figures are not sent to a server, email provider or analytics service. We do not put them in a URL query string.

Sharing is your choice

Copy summary places a plain-text result on your clipboard. Copy share link includes inputs in the URL fragment, after the hash. A fragment is not sent in an HTTP request, but anyone you send the complete link to can read those inputs. Your browser or clipboard may retain what you copy.

Analytics and consent

Cookieless Vercel Web Analytics is enabled for basic page statistics. We remove URL fragments and query strings from analytics URLs. Optional Google Analytics and Microsoft Clarity load only after analytics consent, where configured, on the About, Privacy and guides-index pages. They do not load on calculators or articles. Calculator events use an allowlist of status, excess bands, route names and button identifiers; no income values are included. You can accept or reject optional analytics, and change your choice in the footer. We store only that consent choice locally on this device.

Email reminders

The email form appears only when a provider is configured. It sends your email address and explicit reminder consent, never calculator figures. The provider must use double opt-in. No subscription is confirmed until you follow the confirmation email. You can unsubscribe through the provider’s emails.

External services

Partner links go to external websites with their own privacy policies. We send no calculator inputs with those links. Optional click events identify only the partner and page placement.

TODO for owner: add the data controller’s name, privacy contact, configured email provider, retention period and relevant service privacy links before enabling email collection. Review this notice when integrations change.

Sources and assumptions

Each rule has a source and checked date. Editable values, examples and product warning margins are labelled assumptions. Confirm individual eligibility with official guidance.

View every configured rule
threshold: 100,000

Checked 2026-10-23

closeBand: 2,000

Checked 2026-10-23 · Product warning margin; not a statutory band.

adviserExcess: 15,000

Checked 2026-10-23 · Product advice trigger; not a statutory limit.

smallExcess: 5,000

Checked 2026-10-23 · Anonymous analytics bucket boundary.

allowance: 12,570

Checked 2026-10-23

taperDivisor: 2

Checked 2026-10-23

basicBand: 37,700

Checked 2026-10-23

basicRate: 0.2

Checked 2026-10-23

higherRate: 0.4

Checked 2026-10-23

additionalRate: 0.45

Checked 2026-10-23

grossUp: 1.25

Checked 2026-10-23

providerRelief: 0.2

Checked 2026-10-23

minimumIncome: 10,574.72

Checked 2026-10-23 · Annual equivalent for age 21+. Actual test uses expected earnings over three months; exceptions apply. ANI floor here follows the requested simplified model.

under3Hours: 1,140

Checked 2026-10-23

age3to4Hours: 570

Checked 2026-10-23 · Additional hours at stake; universal hours retained.

workingWeeklyHours: 30

Checked 2026-10-23

universalWeeklyHours: 15

Checked 2026-10-23

weeks: 38

Checked 2026-10-23

tfcCap: 2,000

Checked 2026-10-23

tfcDisabledCap: 4,000

Checked 2026-10-23

tfcBillRate: 0.2

Checked 2026-10-23 · Requested bill-based planning convention: 20% of annual childcare bill, excluding funded hours. Not 20% of deposits into a childcare account.

tfcMaxAge: 11

Checked 2026-10-23

tfcDisabledMaxAge: 16

Checked 2026-10-23

reconfirmMonths: 3

Checked 2026-10-23

niPrimaryThreshold: 12,570

Checked 2026-10-23

niUpperThreshold: 50,270

Checked 2026-10-23

niMainRate: 0.08

Checked 2026-10-23

niUpperRate: 0.02

Checked 2026-10-23

futureNiCap: 2,000

Checked 2026-10-23

futureNiYear: 2,029

Checked 2026-10-23

deadline: 5 April

Checked 2026-10-23

hourlyValue: 10

Checked 2026-10-23 · Editable valuation assumption, not a funded hourly reimbursement rate.

months: 12

Checked 2026-10-23

percent: 100

Checked 2026-10-23 · Percentage conversion.

exampleSalary: 110,000

Checked 2026-10-23 · Illustrative input.

examplePensionPercent: 5

Checked 2026-10-23 · Illustrative input.