🧾 Cut my tax bill
Find every deduction, credit, and regime choice that applies to you — then run the numbers side-by-side to see what actually saves the most.
Your 4-step plan
Work through these in order. Each step links to the calculator you need.
- 1
Run the regime comparison
In most countries there's a choice (new vs old, marginal vs flat, standard vs itemised). Run both — the difference can be 5–15%.
Open Income Tax - 2
Max retirement contributions
These are pre-tax almost everywhere. Every extra ₹1 / $1 into them lowers taxable income.
Open ISA - 3
Claim the usual suspects
Rent (HRA), mortgage interest, charity, work-from-home, professional fees, medical insurance. Run through each.
Open Pension - 4
File early
Refunds are bigger and faster. Notices come if you wait.
Your toolbelt
These calculators, run together, answer the full question — not a slice of it.
Income Tax
Calculate take-home pay after Income Tax, National Insurance, pension contributions and student loan repayments.
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ISA
Project the tax-free growth of your ISA contributions up to the £20,000 annual allowance.
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Pension
Estimate your workplace or SIPP pension pot at retirement including employer contributions and tax relief.
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