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IncomeFix

About IncomeFix

Helping UK residents understand their finances

IncomeFix was created with a simple but important goal: to make financial information accessible to everyone in the United Kingdom. We believe that every person deserves to understand how much they will take home from their pay, what benefits they may be entitled to, and how their side hustle income is taxed — without needing an accountant or wading through pages of government documentation.

The UK benefits and tax system is notoriously complex. There are dozens of benefits, each with their own eligibility criteria, rates, and interactions with other parts of the system. Tax rules change every year, thresholds shift, and new policies like Making Tax Digital add further layers of complexity. For many people, this complexity means they either miss out on support they are entitled to, or they do not fully understand their tax obligations until it is too late.

We set out to change that. IncomeFix provides free, easy-to-use calculators that break down these complex systems into simple, personalised results. Whether you are a nurse trying to work out your take-home pay after a pay rise, a parent checking your Child Benefit entitlement, or a Deliveroo rider figuring out how much tax you owe on your side hustle earnings, our tools are designed to give you a clear picture in under two minutes.

What IncomeFix offers

We currently provide five core calculators, each built around the 2026/27 UK tax year rates and thresholds:

  • Benefits Calculator — Check your eligibility for Universal Credit, PIP, Child Benefit, Carer's Allowance, Pension Credit, and more. Our calculator walks you through a short questionnaire and estimates which benefits you may be entitled to and how much you could receive.
  • Take-Home Pay Calculator — Enter your salary and see a detailed breakdown of income tax, National Insurance, student loan repayments, and pension contributions. Understand exactly how much lands in your bank account each month.
  • Side Hustle Tax Calculator — If you earn money through platforms like Deliveroo, eBay, Etsy, Uber, or Airbnb, this calculator estimates your income tax, National Insurance, and take-home pay from self-employment income, taking into account allowable expenses and the trading allowance.
  • Minimum Wage Calculator — Check whether your hourly rate meets the National Living Wage or National Minimum Wage for your age group, and calculate what you should be earning based on your contracted hours.
  • Tax Trap Calculator — Identify hidden tax traps such as the 60% tax trap between £100,000 and £125,140, the High Income Child Benefit Charge, and the student loan repayment cliff edges that can catch people off guard.

Every calculator is completely free to use. There is no sign-up, no paywall, and no personal data stored. We update our rates and thresholds promptly when HMRC and DWP publish new figures, so you can trust that the numbers reflect the current tax year.

Our approach

We believe financial tools should be simple, fast, and transparent. Every calculation on IncomeFix shows you how it was worked out, so you can understand the logic behind the numbers. We link to official GOV.UK sources wherever possible so you can verify information and read further. Our content is written in plain English, avoiding jargon and legalese.

IncomeFix is an independent project. We are not affiliated with HMRC, the DWP, or any government body. We are funded through advertising, which allows us to keep all of our tools free for everyone.

Important disclaimer

IncomeFix is an informational resource and does not provide financial advice. Our calculators produce estimates based on publicly available rates and thresholds. Your actual entitlement or tax liability may differ depending on your individual circumstances. We always recommend consulting a qualified financial adviser or accountant for personalised advice, and checking official GOV.UK resources for the most up-to-date information.

Get in touch

We welcome feedback, suggestions, and corrections. If you have found an error in one of our calculators, have an idea for a new tool, or simply want to say hello, you can reach us at hello@incomefix.co.uk. We read every email and aim to respond within 48 hours.

Thank you for using IncomeFix. We hope our tools help you feel more confident and informed about your finances.