See exactly what HMRC will ask for — before you owe it a penny.
Enter your salary below and watch your Income Tax, National Insurance and take-home pay calculate instantly — the same 2026/27 HMRC engine that powers the full Command Center.
HMRC gives you a form. It doesn't give you a plan.
Free calculators stop at Income Tax
Most free tools online estimate basic Income Tax and quietly leave out National Insurance, dividend tax, Capital Gains Tax, student loan repayments and the Child Benefit charge — all of which stack on top of what you see.
The £100k–£125,140 trap catches people by surprise
Personal Allowance tapering away in this band creates an effective marginal rate that can reach roughly 60% — and most people only discover it once their tax bill already reflects it.
Directors guess their salary/dividend split
The most tax-efficient mix of salary and dividends shifts with Corporation Tax and National Insurance thresholds — get it wrong and you're quietly leaving money on the table every single year.
Fourteen connected dashboards — not a spreadsheet with a coat of paint
Your whole tax year, at a glance — with a Tax Health Score
Open the tool and immediately see total income, total tax and NI, take-home pay, and a live Tax Health Score that flags issues like the Personal Allowance taper or an approaching HICBC charge before they cost you anything.
Every income source, every allowance — plus a rule-based advisor
Add employment, self-employment, property, savings and dividend income as separate line items. Claim the Trading Allowance, Property Allowance or Blind Person's Allowance with a checkbox. Then the Smart Advisor checks your actual figures against 13 rules and tells you exactly what's worth doing.
The exact salary that costs you the least tax — not a guess
Enter your company's available profit and compare three real extraction strategies side by side — each including Employer NI and Corporation Tax, not just your personal tax — with the most efficient option clearly marked.
Your everyday finances, connected to your actual take-home
A 50/30/20 budget built from your real take-home pay, a payslip breakdown by pay frequency, a pension Annual Allowance tracker, and a net worth tracker — all pulling from the same numbers, so nothing is guessed twice.
Run unlimited clients from one purchase — no add-on pricing
Switch on Practitioner mode and manage separate, fully isolated clients — each with their own income, reliefs and figures. Export a branded PDF with your firm's name, phone and email in one click, plus CSV and JSON backups.
Self-employed? See your real profit after tax.
Enter a net trading profit and watch Income Tax and Class 4 National Insurance calculate live — the same math used across every self-employment figure in the full tool.
One purchase. Every feature. No add-ons.
Built for the UK market — England, Wales, Northern Ireland and Scotland, employed, self-employed, landlords and company directors.
Smart Advisor
13 rule-based recommendations generated from your actual figures — not generic tips.
Director Extraction Tool
Compares salary/dividend splits including Corporation Tax and Employer NI.
Scotland + rUK Bands
Full 6-band Scottish calculation alongside England/Wales/NI.
Mileage Log
Log trips at 45p/25p and push the claim straight into your expenses.
Budget, Pension & Net Worth
Three trackers built from your real take-home, not separate guesses.
Practitioner Mode
Unlimited client dashboards included in the same purchase.
Branded PDF Reports
Your firm's name, phone and email on every client export.
What-If & Saved Scenarios
Model pension top-ups or profit changes, then save and compare snapshots.
100% Private, Fully Offline
Runs entirely in your browser. No account, no server, ever.
Why keep paying for pieces of this?
| Capability | UK Command Center $35 once | Accountant consultation | Free HMRC calculator | Spreadsheet |
|---|---|---|---|---|
| One-time payment, yours forever | ✓ | ✗ hourly | ✓ | ✓ |
| Income Tax + NI + dividend tax + CGT + HICBC | ✓ | ✓ | Income Tax only | Manual |
| Director salary/dividend comparison | ✓ | ✓ (extra fee) | ✗ | ✗ |
| Smart Advisor recommendations | ✓ | ✓ | ✗ | ✗ |
| Unlimited client dashboards | ✓ included | n/a | ✗ | ✗ |
| Branded PDF reports | ✓ | ✓ | ✗ | ✗ |
| Budget, Pension & Net Worth tracking | ✓ | ✗ | ✗ | Manual |
| Runs offline, no account | ✓ | n/a | Needs a site | ✓ |
One price. Individual and Practitioner both included.
No separate license tiers, no add-on fee for managing clients — everything unlocks with the same purchase.
- Full 2026/27 tax engine — Income Tax, NI, dividend tax, CGT, student loans, HICBC
- Smart Advisor — 13 rule-based recommendations from your own figures
- Trading, Property & Blind Person's Allowances, Marriage Allowance
- Director salary-vs-dividend extraction comparison
- Budget, Payslip, Pension & Net Worth trackers
- Mileage log with one-click expense claim
- What-If sliders + Saved Scenario comparison
- Branded PDF, CSV & JSON export
- Unlimited Practitioner-mode client dashboards
- Works fully offline, forever — free future updates
Frequently asked questions
Is this really a one-time payment?
Yes. One payment unlocks the entire tool — Individual and Practitioner mode both — permanently. No monthly fees, no renewal charges, and future updates are included at no extra cost.
Is my financial data safe?
Yes. The tool runs entirely inside your own browser. Your income, reliefs and client data are stored only on your device — nothing is ever uploaded to a server or seen by anyone else.
Does it cover Scotland's different tax bands?
Yes. Scotland's full 6-band Income Tax structure is calculated separately from England, Wales and Northern Ireland's 3-band system — including the correct rule that savings, dividends and Capital Gains Tax still use the UK-wide thresholds even for Scottish taxpayers.
Can I use this for clients as an accountant or bookkeeper?
Yes. The same purchase includes Practitioner mode — unlimited, fully separate client dashboards, each with its own income, reliefs, and a branded PDF report carrying your firm's name, phone and email.
Does it replace my accountant or file my Self Assessment?
No. It's a comprehensive 2026/27 tax planning estimator, not a filed Self Assessment return or regulated financial advice. It's built to give you a clear, accurate picture before you file — most people use it alongside their accountant, not instead of one.
How do I get the tool after paying?
You'll receive an instant download link right after checkout — a single file that opens in any modern browser on desktop, tablet or mobile. Save it anywhere on your device; setup takes under two minutes.
Your 2026/27 tax position is already calculable. You just haven't seen it yet.
Stop guessing what you'll owe or what your company director salary should be. Get the full engine, the Smart Advisor, and client-ready reports — for one payment.
Get the Command Center — $35 One-Time →