Every calculator is free to use. When you need more, such as the McCloud comparison, a PDF for HR or letters ready to send, unlock just that tool from £7.99 one-off, save with a bundle, or get everything with Pro.
Pick the sentence that sounds like you. Each one jumps to the tool, and every tool has a free version to try first.
Cheapest way to start
One PDF combining your take-home pay breakdown and your pension projection, built from your own numbers. Create a free account, pay once, no subscription. Access has no expiry date.
For planning your retirement income, avoiding a tax charge, or deciding whether to opt out.
£44.99
one-off, 6 months
McCloud comparison, lump sum commutation optimiser, partial retirement, Annual Allowance and carry-forward, private-sector value comparison, inflation stress-test, AI Retirement Strategist and a PDF report.
Free: your pension estimate from your own pay and service.
£19.99
one-off, 6 months
Forward planner, what-if slider, accountant PDF and AI advisor.
Free: Pension Input Amount, tapered allowance, carry forward, tax charge and Scheme Pays check.
£9.99
one-off, no expiry
Cost of a 1, 3, 5 or 10 year break from the Scheme, AI analysis and a PDF decision report.
Free: the opt-out calculator, the employer contribution you give up and the cash-gain result.
£9.99
one-off, 12 months
Your NHS pension, State Pension and tax projected year by year for 10, 20 or 30 years, with the frozen thresholds, three rise scenarios and figures in today's money.
Free: your take-home this year and from April 2027.
For knowing what you really take home and claiming back what you are owed.
£9.99
one-off, 6 months
A personalised claim summary to copy straight into your P87 or Self Assessment.
Free: an estimate of what you could claim.
£9.99
one-off, 6 months
Save and compare rota scenarios, with an annual projection and a PDF report.
Free: combined monthly take-home for one rota.
For redundancy, a baby and going back to work.
£19.99
one-off, 90 days
Letter to HR, meeting questions, rep briefing, tax-year timing and an AI brief.
Free: the redundancy pay estimate, year-by-year table, notice, timeline and pension note.
£14.99
one-off, 12 months
Month-by-month cash flow, return-to-work timing comparison and a PDF report.
Free: your week-by-week maternity pay.
£9.99
one-off, 6 months
Compare up to three working-pattern scenarios side by side on net income after childcare.
Free: take-home pay after childcare costs.
£7.99
one-off, 90 days
Request letter, business case, trial plan and appeal draft
The free version stays free.
£7.99
one-off, 12 months
Every break in your leave year with dates, a year calendar of your rota, partner day-off matching, calendar file and a ready leave request.
Free: your rota, hours and best value break.
£7.99
one-off, 90 days
A request letter, evidence list, occupational health questions, meeting preparation and review letters.
Free: the readiness check and Equality Act guide.
For promotions, applications, interviews and moving to the NHS.
£14.99
one-off, 6 months
A 3-year cost-of-living budget planner and a PDF report.
Free: UK take-home pay against relocation costs.
£9.99
one-off, 6 months
Promotion-versus-staying comparison for up to 15 years, and a PDF report.
Free to try with your own pay point.
£18.99
one-off, 90 days
Unlimited AI feedback on values-based interview answers.
Free: your first practice attempts.
£9.99
one-off, 90 days
Unlimited AI feedback on your NHS CV or personal statement.
Free: your first review.
£9.99
one-off, 90 days
Unlimited AI match guidance and follow-up questions based on your profession, preferences and shortlist.
Free: an instant shortlist of matching trusts.
For overpayments, regrading, disciplinary action and dismissal. Not legal advice: speak to your union or ACAS too.
£14.99
one-off, 90 days
Unlimited AI action plans and follow-up questions grounded in your situation, with deadlines to watch.
Free: your first use.
£14.99
one-off, 90 days
Concerns and trial-period letters, meeting questions and unlimited AI assessments.
Free: the side-by-side role comparison, factor worksheet and date checks.
£9.99
one-off, 90 days
A records request letter, hearing statement draft, questions to ask and a representative briefing.
Free: the readiness check.
£7.99
one-off, 90 days
Ready-to-send letters to query an overpayment or propose a repayment plan.
Free: the affordability check.
£9.99
one-off, 90 days
Prepare for a return-to-work or absence review meeting
The free version stays free.
£9.99
one-off, 90 days
Respond to a capability concern: letters, plan and rep briefing
The free version stays free.
£9.99
one-off, 90 days
Formal grievance letter, evidence index, rep note and appeal draft
The free version stays free.
£9.99
one-off, 90 days
An appeal letter, grounds of appeal built from your facts, a records request, meeting preparation and a representative briefing.
Free: the readiness check and your deadline.
£9.99
one-off, 90 days
An incident log, formal complaint, evidence index, meeting preparation and escalation letters.
Free: the readiness check and routes guide.
£9.99
one-off, 90 days
A disclosure letter, private record, request for the process, detriment letter and regulator outline.
Free: the readiness check and protected disclosure guide.
£7.99
one-off, 90 days
A request letter, a schedule of what to ask your employer for, chasers, a data protection officer complaint and an ICO complaint outline.
Free: the readiness check and time limits.
£9.99
one-off, 90 days
An appeal letter, grounds, a request for selection scores and consultation records, hearing preparation and a rep briefing.
Free: the readiness check and grounds guide.
£7.99
one-off, 90 days
A log summary with an estimate, a claim letter, a records request and grievance wording.
Free: the readiness check and Handbook guide.
£7.99
one-off, 90 days
A claim letter with a calculation table, a payroll records request, an escalation letter and grievance wording.
Free: the readiness check and time-limit guide.
£9.99
one-off, 6 months
A request letter, duties evidence log, appeal draft and union rep briefing.
Free: the readiness check.
One-off payment, no subscription. Each bundle saves 33 to 60% against buying its tools separately.
Retirement Planning Bundle
For anyone seriously mapping out their NHS pension.
£49.99 one-off
Separately: £74.97. You save £24.98 (33%). Access lasts 6 months.
Life Events Bundle
For redundancy, maternity or a career move on the horizon.
£29.99 one-off
Separately: £44.97. You save £14.98 (33%). Access lasts 12 months.
New to the NHS Bundle
For international nurses and doctors joining the NHS.
£24.99 one-off
Separately: £43.97. You save £18.98 (43%). Access lasts 6 months.
Career Toolkit Bundle
The four tools you will come back to, as a one-off payment, not a subscription.
£24.99 one-off
Separately: £48.96. You save £23.97 (49%). Access lasts 6 months.
Workplace Rights Bundle
For problems at work: overpayments, regrading, disciplinary and capability processes, sickness absence meetings and dismissal.
£24.99 one-off
Separately: £62.94. You save £37.95 (60%). Access lasts 6 months.
Worked from the prices on this page, so you can see which route costs least for what you actually need.
| If you need | Buy singly | Bundle | Pro (same period) | Cheapest |
|---|---|---|---|---|
| One tool, for example Overpayment Response Pack | £7.99 one-off (90 days) | Not needed | £54.99 for 3 months | Buy it singly |
| Retirement Planning Bundle: 3 tools, 6 months | £74.97 | £49.99 | £109.98 for 6 months | Bundle |
| Life Events Bundle: 3 tools, 12 months | £44.97 | £29.99 | £119.00 for 12 months | Bundle |
| New to the NHS Bundle: 3 tools, 6 months | £43.97 | £24.99 | £109.98 for 6 months | Bundle |
| Career Toolkit Bundle: 4 tools, 6 months | £48.96 | £24.99 | £109.98 for 6 months | Bundle |
| Workplace Rights Bundle: 6 tools, 6 months | £62.94 | £24.99 | £109.98 for 6 months | Bundle |
| Every tool (32) | £389.68 (each for its own period) | No single bundle covers everything | £119.00 for 12 months | Pro |
Best value if you will use more than a handful of tools over time. Billed quarterly or annually, never monthly.
Free
£0
FrontlinePay Pro
£54.99/quarter
About £18.33 a month, billed every 3 months. Or £119.00 a year, about £9.92 a month.
Rolling subscription. Cancel any time and keep access to the end of the period you have paid for.
Career Toolkit
£21.99/quarter
About £7.33 a month. The cheapest subscription, for early-career staff.
Independent
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Dated and corrected
Guides carry a last-updated date, and if we get something wrong we say so in our corrections policy.
AI use is disclosed
Where a tool uses AI, we say how, and what it should not be used for. See the AI use disclosure.
Secure payment and clear terms
Payments run through Stripe, so we never see your card details. Prices, access periods and refunds are set out in our terms.
Still unsure? Ask us, or try a free calculator first.