Quid & Penny · UK 2026/27

Your money.
Assembled.

Salary, tax, ISA, pension, mortgage, debt — every piece of your UK finances clicks into a single live dashboard.

Scroll to assemble
quid-and-penny / dashboard
LIVE
£
Gross Salary£65,000
Tax bands
20%40%
£14,486tax + NI
ISA allowance60% used
£12,000of £20,000
Pension · 30 yr£340k
Budget
50·30·20
Net Worth+12.4% YTD
Goal
On track£3,847 / mo
Mortgage4.75%
£1,247/ mo · 25 yr
Quid & Penny · UK 2026/27

Your money.
Assembled.

Salary, tax, ISA, pension, mortgage, debt — every piece of your UK finances in one live dashboard.

Take-home
£3,847/mo
Pension pot
£340k
ISA left
£8,000
The kit

Nine modules. One ledger.

Each module is its own surface, but they share the same numbers. Change your salary in one place; pension, ISA and mortgage all update.

Income01

Salary & Tax

Take-home down to the penny — tax, NI, pension, student loan.

Retirement02

Pension

Project the pot. Employer match, state pension, tax relief.

Savings03

ISA

Cash, S&S and LISA — every pound tax-free, the bonus tracked.

Property04

Mortgage

Rate-rise stress test. Overpayments, term to freedom.

Planning05

Budgeting

Real income against 50 / 30 / 20. Every pound has a job.

Recurring06

Subscriptions

Every charge in one place. Cut what you forgot you pay for.

Safety07

Emergency Fund

3–6 month safety net, charted against monthly outgoings.

Debt08

Debt Payoff

A clear debt-free date. Avalanche or snowball — your call.

Overview09

Net Worth

Assets minus liabilities, tracked and trended over time.

Watch it work

Every number is linked, every change is live.

Salary → Take-home2026/27

Drag the salary. Tax, NI, pension and student loan all recalc.

Updated to the latest UK tax bands. Bands, allowances and reliefs are exposed — no magic, no hidden assumptions.

Gross salary£65,000
Pension (8%)£5,200
Income tax & NI£14,486
Monthly take-home£3,847
PensionAge 67
£340k
projected pot, today's contributions
ISA · LISA bonus+£1,000 free
£20,000
annual allowance · tax-free
Cash ISA
£8,000
Stocks & Sh.
£9,500
Lifetime ISA
£2,500
£12,570
Personal allowance
£20,000
ISA allowance
£60,000
Pension annual cap
£3,000
Capital gains exempt
Ready when you are

Stop guessing.
Start knowing.

No card, no fluff. Open the app and start modelling your money — right now, free.