Take HomeSmart financial planning for self-employed people
Built for freelancers, contractors, and directors who want to feel confident in their finances and plan for the future.
Managing money is harder when self employed
Self employed people face higher rates of financial complexity and exclusion - making it difficult to plan long term.
Greater financial complexity
77% of self-employed workers do not receive any active financial advice
Lower credit accessibility
83% of self-employed workers believe that mortgage lending criteria are biased against them
No long term planning
80% of self employed individuals do not contribute towards a pension
Financial clarityKnow what’s yours to keep.
Get a real-time view of your take-home pay, salary/dividend split, and allowable expenses — all tailored to your unique business setup.
Real-time take-home pay calculator see what you’ll earn after tax, NI, and dividends.
Expense tracking that understands your business know what you can claim and how it affects your bottom line.
Automated tax forecasts never be surprised by a Self Assessment, Corporation Tax or VAT bill again
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Credit accessMake lenders say yes.
Plan your finances with the confidence to apply for mortgages, credit cards, or business loans — and get approved.
Smart product matching compare self-employed-friendly mortgages, credit cards, and loans.
Mortgage-readiness reports know where you stand before applying, with suggestions to improve approval odds.
Lender communication templatesget help explaining your income clearly and confidently.
Wealth managementBuild your future.
Turn your income into long-term wealth through pensions, property, and smart investing — all with a business-first approach.
Integrated net worth tracker to see the big picture of your income, savings, credit cards, investments, and business value.
ETF and ISA strategy builder get simple, tax-smart investing ideas without the jargon.
Pension contribution planner find out how much to contribute, and whether to do it personally or via your company.
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How it works
Create an account
Create an account online in seconds
Adjust financial profile
Add your current savings, assets and liabilities
Connect accounting software
Sync your bank account, salary, dividends and expenses
Dynamic recommendations
Ongoing automated financial audit and recommendations
Get real time predictions
Real time calculations and predictions for eligibility
Compare offers
Check eligibility and find financial products for you
Take home pay calculators
Goal:
Turnover: £75,000
Expenses: £5,000
Take home pay
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Salary
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Dividends
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Pension
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Total tax
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Future growth
Current savings: £15,000
Current pension: £5,000
Projection years: 10
Total assets in 2035
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Savings
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Pension value
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Take Home
Take home is currently in development but we'd love your feedback.