Employed, self-employed & other income — income tax (England/Wales/NI & Scotland), National Insurance, pensions and student loans (English system, 2026/27 rates)
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Link two saved snapshots — the primary one defines the Joint Bills list on the Joint Bills Setup tab; the partner's net monthly income is pulled in automatically. Switch which one is shown in Summary, Tax Calculator and Salary Sort at any time.
A one-stop view of where your money is each month: where income lands, what still needs sorting into other pots/accounts, and the resulting account balances. Figures come from the Tax Calculator and Salary Sort tabs and update automatically as you change inputs.
Where each type of income lands each month, based on the Account chosen for each row on the Tax Calculator tab (e.g. Employed income → Personal account, Self-Employed income → Business account). Employed income is shown net of tax/NI/pension; Self-Employed and Other income are shown gross, since tax on those isn't deducted at source.
Money that needs to be moved once it lands, based on the sorts you've set up on the Salary Sort tab.
What's left in your Personal account once the sorts above are applied.
One row per job. Mark one as your primary role — its tax code sets the personal allowance used for your self-employed & other income too. Prefix a tax code with "S" (e.g. S1257L) for Scottish income tax bands.
Enter gross self-employed income here; deduct expenses separately below. Feeds the automatic pot calculations on the Salary Sort tab.
Pooled across all self-employed income and treated as fully tax-deductible against total self-employed profit. Rows marked Account: Business feed the automatic pot calculations on the Salary Sort tab.
E.g. rental income, dividends, freelance one-offs not covered above.
All figures below are monthly (annual ÷ 12), for sorting money into pots each time you're paid. Pulled from Self-Employed Income & Expenses rows marked Account: Business on the Tax Calculator tab. Income Tax and Student Loan are each business self-employment's marginal share of your combined annual bill (i.e. what that income adds on top of everything else); National Insurance (Class 4) is worked out on business profit alone. Figures update automatically as you change inputs.
Sort your monthly income into pots by account. Business pots for Income Tax, National Insurance and Student Loan are calculated automatically from the monthly summary above; Expenses and all Personal/Joint pots are entered manually as monthly amounts. Use the Transfer category to move money from one account to another — pick where it's going with the Destination field that appears.
Used to work out how Joint Bills should be split between you and them, proportional to monthly net income. Your side of the ratio is your Personal account's monthly net income (Employed net pay + Personal Income sorts + transfers in).
Define the full monthly amount of each shared bill here. Pick one from a Personal sort using the Joint Bills category to see and use your proportional share.