My Money Pots
Know exactly where your money goes
Understand your real take-home pay, build smarter budgets, and take control of your household finances.
How It Works
Set up your income
Tell us about your salary, pension, and household. We calculate your real take-home pay including all UK taxes.
Create your budget
Add your regular expenses and see instantly whether your spending fits your income.
Get insights
See cash flow projections, track changes over time, and find ways to optimise your finances.
Know your real take-home pay
Enter your salary and we calculate income tax, National Insurance, student loans, and pension contributions. See your effective and marginal tax rates at a glance.
Budget with confidence
Create budgets with flexible schedules — monthly, annual, quarterly, or custom dates. Our affordability indicator shows whether your spending fits your income.
Optimise your tax position
Running a limited company? Our calculator finds the optimal salary and dividend split. Employed? See how pension contributions and salary sacrifice reduce your tax bill.
Plan together as a household
Manage dual incomes, share budgets with your partner, and make financial decisions together with full change tracking.
Ready to take control of your finances?
Free to use. Set up takes about 5 minutes.