Your Money, Sorted. Free UK Financial Tools.
Benefits you're owed, tax on your side hustle, take-home pay after deductions, director salary strategy, business cash runway — all free, no sign-up.
All 12 Free UK Financial Tools
All calculators use official 2026/27 HMRC rates and thresholds. No sign-up, no data stored.
Why Use IncomeFix?
Built for UK residents who want a straight answer on benefits and tax without handing over any personal data.
HMRC-Aligned Rates
All calculations use official 2026/27 tax rates and benefit thresholds from GOV.UK.
No Data Stored
Your information never leaves your browser. No accounts, no databases, complete privacy.
Free Forever
Every calculator is completely free. No premium tiers, no paywalls, no hidden fees.
Mobile-Friendly
Works perfectly on any device. Check your benefits or tax on the go.
Regularly Updated
Rates are updated every April when new tax year thresholds come into effect.
Covers Every Situation
From PAYE employees and side hustlers to limited company directors — tools for every type of UK income.
Latest Guides
Plain-English guides to UK benefits, tax and personal finance, checked against GOV.UK.
Frequently Asked Questions
Quick answers about UK tax, benefits, director pay, and our calculators.
Is IncomeFix really free to use?
Yes, all our calculators and tools are completely free to use. No sign-up, no hidden fees. We are funded through advertising.
What benefits am I entitled to in the UK?
It depends on your income, savings, housing situation, health, and family circumstances. Use our free Benefits Calculator to get a personalised estimate in under 2 minutes — it covers Universal Credit, PIP, Child Benefit, Housing Benefit, Carer's Allowance and more.
Do I need to pay tax on my side hustle income?
If you earn more than £1,000 per year from a side hustle, you generally need to register for Self Assessment and may owe Income Tax and National Insurance. Use our Side Hustle Tax Calculator to see exactly how much — it covers Deliveroo, eBay, Etsy, Airbnb, Uber and more.
How much take-home pay will I get from my salary?
Your take-home pay depends on your gross salary, tax code, student loan plan, pension contributions, and National Insurance. Use our Take-Home Pay Calculator to see a full breakdown using 2026/27 HMRC rates — including income tax, NI, student loan repayments, and pension deductions.
What is the best way for a director to pay themselves?
Most UK company directors take a small salary (either £5,000 a year, the 2026/27 employer National Insurance Secondary Threshold, or £12,570 if the company can use the Employment Allowance) and extract the rest as dividends to minimise Income Tax and National Insurance. The optimal split depends on your profit level, Employment Allowance eligibility, and pension strategy. Use our Salary vs Dividend Calculator to model the best mix for your circumstances.
What is the 60% tax trap and how do I avoid it?
If you earn between £100,000 and £125,140, you lose £1 of Personal Allowance for every £2 earned above £100,000. This creates an effective marginal tax rate of around 60%. The most common avoidance strategies are salary sacrifice into a pension or making Gift Aid charitable donations. Use our 60% Tax Trap Calculator to model the impact and see your options.
What is BADR and is it changing in 2026?
Business Asset Disposal Relief (BADR) reduces Capital Gains Tax on qualifying business and share sales. The rate rose from 14% to 18% on 6 April 2026, the second step of the increase announced in the October 2024 Budget, and the lifetime limit stays at £1 million. Use our BADR Calculator to see your CGT bill on a 2026/27 disposal, or at the 14% rate if your sale completed before April 2026.
How can I check whether my business is actually profitable?
Many business owners mistake revenue for profit. Our Business Reality Check calculator shows your true profit after owner pay, your real effective hourly rate, and how many months of cash runway you have in three scenarios (best, expected, worst). It also ranks the levers — revenue growth, debtor day improvements, and cost cuts — by their impact on your runway.
How much is the UK personal allowance in 2026/27?
The Personal Allowance for the 2026/27 tax year is £12,570. This means you pay no Income Tax on the first £12,570 you earn. The allowance is tapered for incomes above £100,000 and eliminated entirely above £125,140.