About the developer
The person behind the calculators
I'm an independent developer and I build small, fast money tools for UK life. ukmoneycalc is one of them. Work out your take-home pay, check the government top-up on childcare, see where the tax traps sit before they catch you. No account, no pop-ups, no thousand-word essay before the calculator loads.
Solo. Full time. Part of zovo.one.
What I build
One job per tool, done fast
Most UK finance sites bury a simple calculator under ads and a long explainer nobody asked for. I go the other way. Each tool does one thing and loads right away.
The take-home calculator runs the real 2025/26 HMRC bands, including the 60% trap most sites quietly skip. The Tax-Free Childcare tool shows the exact government top-up on your own numbers. Every figure is checked against gov.uk, then rechecked every week.
I made the whole site on my own and I work on it full time. That's the only reason the tools stay quick, and a feature request from a stranger gets read the same day.
The honest part
What works, and what didn't
Not every calculator lands. Some I build, watch nobody open, and quietly pull down. The ones that stay are the ones people come back to.
So I'd rather hear what's broken than guess at it. If a number looks off, or you want a calculator added, or a tool would save you a step, send it over. Small fixes usually ship the same week, and the bigger ideas go on a list I actually work through.
Support and access
Keep the tools free, or get all of them
Every calculator here is free and stays free. There's no paywall on the maths, and there never will be. Two ways to go further if you want to.
A small thank-you for the work. It covers the server bill, pushes your requests up the list, gets you new tools before they go public, and keeps the site free of ads.
- Your feature requests near the top of my queue
- Early access to tools still in testing
- No subscription, nothing to cancel
Get the whole toolkit for a single payment. The lifetime membership on zovo.one covers this site and everything else I make, with no monthly fee and no per-tool charge.
- Lifetime access to every tool on zovo.one, live now and not yet shipped
- The zovo.one Chrome extension and BeLikeNative, included
- No subscription, no monthly fee, no per-tool charge
- Your requests jump the queue
Where everything lives
Tools, code, and a real inbox
The tools, the membership, and the rest of what I make all live on zovo.one. The code I can share sits on GitHub. Got a question before you spend anything? Email me, and a real person, me, writes back.
Try the tools first
The best way to decide if any of this is worth it is to use the thing. Start with the take-home calculator or the childcare top-up, then come back if you want the rest.
Open the calculators