Before you spend a penny today, rent, bills and the costs you can't avoid have already spent some for you. Find your number, and how many hours you work just to cover it.
Find your number →What it costs you just to wake up, per day.
For everyoneFind your number → NewWhat an hour of app work really earns after fuel, tax and NI.
Delivery and gig workersWork it out → LiveContractor margins, placement fees, day rates, holiday pay, umbrella take-home.
Agencies and contractorsOpen the toolkit → LiveBreak-even: what a placement or contract really has to earn.
AgenciesOpen →What your subscriptions really cost a year, and per use.
EveryoneHow much of each payment to put aside for your tax bill.
Self-employedDoes MTD for Income Tax apply to you, and from when?
Sole traders and landlordsYour cost of existing ÷ what an hour really earns = the hours you work just to exist.
Work out your True Hourly Rate and save it, and Checksistence uses it automatically.