Take Home turns your banks, accounting software and investments into one clear picture of what you earn, what you owe and what you keep, across 44 countries. Then it shows you the specific moves that put more money in your pocket. However you are paid, wherever you live.
Free estimate for 2025/26 using headline national rates and an approximate FX snapshot. Connect your accounts for the exact figure. Not tax advice.
2,000+ integrations across banks, accounting software and investment platforms. Connect whatever you already use.
Monzo
Revolut
Wise
Starling
HSBC
Barclays
Lloyds
NatWest
N26MonzoRevolutWiseStarlingHSBCBarclaysLloydsNatWestN26
Xero
QuickBooks
FreeAgent
Trading 212
Vanguard
Coinbase
Binance
Robinhood
StripeXeroQuickBooksFreeAgentTrading 212VanguardCoinbaseBinanceRobinhoodStripeLimited 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.
The salary and dividend split that keeps the most, and the corporation tax you can stop overpaying.
Payments on account, allowable expenses, and exactly when incorporating starts to pay off.
Multi-client and cross-border income handled, with IR35 and the right structure kept in view.
Side income, bonuses, RSUs and second jobs, so PAYE plus everything else finally adds up.
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.
Revolut
Wise
Monzo
XeroEvery account, balance and asset in one place, updated daily. Banks, cards, pensions, property and crypto, in the currencies you actually hold them.
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.
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.
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.
Introductions are to vetted, regulated partners. Take Home is free to you, and only ever suggests a product when your numbers say it helps.
Lenders who get your income
Tax-efficient, any setup
ISAs and wrappers
Better rates on cash
Rates you actually get
Cover for your income
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.
Take Home uses regulated Open Banking and bank-level encryption. We can see your balances to give you the picture. We can never move your money, and we never sell your data.
Connections run through FCA-regulated providers. You approve each one, and you can disconnect any account in a tap.
Take Home can read balances and transactions to build your picture. It has no ability to move, send or spend a penny.
Your data is encrypted in transit and at rest. It is never sold, and never shared without your say-so.
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.
Start with the question you have today. Each one links into the full picture.
Pre-worked take-home for every salary band, as a sole trader or a limited company director.
Run a UK company from abroad, or move countries. Real take-home, regimes and the catches.
Salary versus dividends, the optimal director salary, pensions and the allowances people miss.
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.
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.
2,000+ banks worldwide, plus accounting software (FreeAgent, Xero, QuickBooks), investment and crypto accounts (Trading 212, Binance, Robinhood and more), and documents like a pension statement, mortgage details or a rental agreement. You can also just upload a CSV or PDF.
Yes. Connections are read-only and bank-level encrypted. We never move your money, and we never sell your data.
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