Take Home | See your real take-home pay, then keep more of it

However you're paid

Built around how you actually earn.

Limited company, sole trader, freelancer, or employed with income on the side. Take Home knows the rules for each setup, and the moves that matter for yours.

Limited company directors

The salary and dividend split that keeps the most, and the corporation tax you can stop overpaying.

Sole traders & self-employed

Payments on account, allowable expenses, and exactly when incorporating starts to pay off.

Freelancers & contractors

Multi-client and cross-border income handled, with IR35 and the right structure kept in view.

Employed with extra income

Side income, bonuses, RSUs and second jobs, so PAYE plus everything else finally adds up.

Coverage

One tool for your money, across borders.

Most calculators stop at one country. Take Home models income tax, corporation tax, dividends, social security and the treaties between them, so you see your true take-home whether you live in London, Lisbon, Dubai or New York.

44

countries, fully modelled

50+

US states and cities

40+

expat and non-dom regimes

1

clear number for you

Compare countries

Revolut

Wise

Monzo

Xero

The product

Everything you own and earn, in one clear view.

Take Home · Dashboard

Net worth

£284,610

+£18,240 this year

Your accounts

M

Monzo

Current account

£4,210

R

Revolut

EUR account

€8,940

T

Trading 212

Stocks & ISA

£22,510

B

Binance

Crypto

£6,180

P

Pension

SIPP

£41,800

H

Home

Property, est.

£305k

Your whole net worth, live

Every account, balance and asset in one place, updated daily. Banks, cards, pensions, property and crypto, in the currencies you actually hold them.

FreeAgent and Xero today, bank and broker CSVs from anywhere Multi-currency, one home view Property, pensions and crypto included

Take Home · Your tax

Where your money goes · 2025/26

£120,000 income

Take-home £81,900 Corporation tax £24,418 Dividend tax £13,682

You keep

£81,900

68%of your income

See exactly what you keep

Salary, dividends, corporation tax, income tax and social security, broken down so it is obvious. Know your effective rate and where every pound goes, however you are paid.

Limited company, sole trader or employee Your real effective rate, not the headline rate Cross-border rules and treaties applied

Take Home · Forecast

What if you…

Pension pot at 60

£612,400

+£192,000 vs today's plan

Try a move before you make it

Model a pension top-up, clearing a debt or moving country, and see the effect on your take-home and your future wealth before you commit a single pound.

Side-by-side, before you commit Relocation, pensions, debt and salary mix Long-term wealth, not just this month

Access

See what you qualify for. Apply in a few taps.

The hard part is rarely knowing you want a better savings rate, a mortgage or a pension. It is being self-employed or paid across borders, getting turned away, and never quite knowing what you are eligible for. Take Home reads your real numbers, shows what you actually qualify for, and introduces vetted partners who say yes.

Stop leaving money on the table

Your real eligibility, not a generic checklist What you are on now vs what you could get Apply through vetted, regulated partners in a few taps Built for self-employed and cross-border income

See what you can access

Introductions are to vetted, regulated partners. Take Home is free to you, and only ever suggests a product when your numbers say it helps.

Take Home · What you can access

Cash savings

Your rate 1.2%, available up to 4.83% AER

+£1,140/yr

Mortgage

Eligible up to £310,000, from 4.4%

self-employed OK

Pension (SIPP)

Fund it straight from your company

save £1,140 tax

Stocks & shares ISA

£20,000 allowance left this year

0.15% fees

Personal loan

Pre-qualified up to £25,000

8.9% APR

Mortgages

Lenders who get your income

Pensions

Tax-efficient, any setup

Investments

ISAs and wrappers

Savings

Better rates on cash

Loans

Rates you actually get

Insurance

Cover for your income

T

Take Home

• Online

Ask about your money…

Plan & optimise

Ask anything. Get a plan you can act on.

Take Home reads your real numbers, so the advice is specific, not generic. Every recommendation comes with the pounds it puts back in your pocket.

Pay yourself smarter. £12,570 salary plus dividends instead of full salary.

keep £4,210 more

Add £500/mo to a pension through your company.

save £1,140 in tax

Clear your credit card before you invest.

stop losing £840/yr

You can afford a mortgage on your current income.

up to £310,000

Move to Portugal on IFICI and keep more of the same income.

keep €8,400/yr more

On track to retire with £420k. A small change gets you further.

reach £610k

Security

Connected safely, read-only, always.

Take Home uses read-only connections and bank-level encryption. We can see your figures to give you the picture. We can never move your money, and we never sell your data.

1

Read-only by design

Accounting connections are read-only and you approve each one. You can disconnect any account in a tap, and we can never move your money.

2

Read-only access

Take Home can read balances and transactions to build your picture. It has no ability to move, send or spend a penny.

3

Bank-level encryption

Your data is encrypted in transit and at rest. It is never sold, and never shared without your say-so.

Get started

See your picture. Start free.

Two minutes. Tell us your setup and we will show you your take-home, your biggest opportunity, and what to connect first. No card, no pricing games.

Bank-level secure · read-only · takes 2 minutes

Explore

Free tools and guides, for every situation.

Start with the question you have today. Each one links into the full picture.

Take-home by salary

What you keep, £40k to £200k

Pre-worked take-home for every salary band, as a sole trader or a limited company director.

£40k £60k £100k £200k

Country & relocation guides

Where to live, and what it means for tax

Run a UK company from abroad, or move countries. Real take-home, regimes and the catches.

Portugal Dubai Spain UK Ltd abroad

Calculators & guides

The moves that change your number

Salary versus dividends, the optimal director salary, pensions and the allowances people miss.

Salary vs dividends Optimal salary Pensions

FAQ

Good to know

What is Take Home?

Take Home connects your banks, accounting software and investments into one clear picture of your income, tax and net worth, then shows you specific ways to keep more: how to pay yourself, cut your tax bill, clear debt, afford a mortgage, save into a pension and grow your wealth. It works however you are paid and wherever you live.

How does the take-home calculator work?

Enter your income, how you are paid and where you are tax resident. The free calculator models income tax, National Insurance, corporation tax and dividend tax, plus cross-border rules and expat regimes like Portugal's NHR/IFICI, Spain's Beckham regime and the UAE's 0% personal tax, across 44 countries, and shows your real take-home.

What can I connect?

FreeAgent and Xero connect directly. Everything else (banks, brokers and crypto accounts) comes in as a CSV export today, and more direct connections are in build. You can also upload documents like a pension statement, mortgage details or a rental agreement.

Is my data safe?

Yes. Connections are read-only and bank-level encrypted. We never move your money, and we never sell your data.

Keep more of yourtake-home pay