Explore tax-saving scenarios
Lower your tax band, protect your Child Benefit or get out of the 60% tax trap. See the effect before you change anything.
For UK taxpayers
Understand your tax. Keep more of what you earn.
SavingTax shows what you pay, which reliefs you could claim and how pensions, Lifetime ISAs and Gift Aid could lower your bill, all in plain English.
- Free to download
- HMRC rates for 2021-22 to 2026-27
- No bank logins
Features
Everything you need to make sense of your tax
Whether you are on PAYE, self-employed or both, SavingTax helps you see where you could save.
Find reliefs you could claim
See which allowances and reliefs may apply to you, from pension contributions and Lifetime ISAs to Gift Aid and Marriage Allowance.
Track your progress monthly
Log what you put aside each month and see how much tax relief you have built up so far this year.
Calculators for everyday questions
Take-home pay, tax codes, National Insurance, Gift Aid, pension relief, Capital Gains Tax, dividend tax and more.
Guides without the jargon
Short guides on ISAs, pensions, allowances, tax codes and Self Assessment, plus a glossary and tax news.
Private and secure
No bank logins. Your data is encrypted, and you can turn on two-factor authentication with backup codes.
How it works
Three steps to your tax-saving plan
Inside the app
Clear, simple and built for your phone
Pricing
Start free. Upgrade when you need more.
Subscriptions are managed through the App Store or Google Play, and you can cancel at any time.
Free
Understand your tax
£0free forever
- Your tax for the current tax year
- Main job and self-employment income
- Tax relief finder
- Custom Savings Goal scenario
- Monthly progress tracking
- Tax calendar and reminders
- Guides, glossary and tax news
- Salary, tax code, NI, Gift Aid and Marriage Allowance tools
- Ad-supported
Premium
Plan and save
£3.99a month, billed annually
or £4.99 billed monthly
Everything in Free, plus:
- No ads
- Every tax-saving scenario, including Beat the 60% Tax Trap and Protect Your Child Benefit
- Combine pensions, Lifetime ISAs and Gift Aid in one plan
- Monthly budget
- Multiple tax years, and compare them
- Second job, savings, dividends, capital gains and rental income
- Full tax breakdown
- Pension relief, Capital Gains Tax, dividend tax and required salary calculators
- Multiple financial goals
Pro
Optimise your plan
£7.99a month, billed annually
or £9.99 billed monthly
Everything in Premium, plus:
- Advanced what-if scenarios
- Advanced tax reliefs
- Retirement planner
- Scenario comparison
- Progress analytics
Tax Reliefs Quiz
Not sure where to start?
Answer a few questions to see which tax reliefs could be relevant to you.
- Anonymous
- No sign-up needed
- Opens right here
Pricing and features
Is SavingTax free?
Yes. The app is free to download and use, and the free plan covers your tax for the current tax year, monthly progress tracking, guides and the everyday calculators. Premium unlocks more scenarios, income sources and tax years.
What does Premium add?
No ads, every tax-saving scenario, combined plans across pensions, Lifetime ISAs and Gift Aid, a monthly budget, multiple and compared tax years, more income sources (second job, savings, dividends, capital gains, rental), the full tax breakdown and the advanced calculators.
Can I cancel my subscription at any time?
Yes. Cancel in your App Store or Google Play account. You keep Premium until the end of the period you have paid for.
Your income and taxes
Does SavingTax work if I am self-employed?
Yes. You can add self-employment profit alongside employment income on the free plan.
Which taxes does it cover?
Income tax, National Insurance, tax on savings interest, dividend tax and Capital Gains Tax, plus reliefs such as pension contributions, Lifetime ISAs and Gift Aid. It does not cover specialised taxes such as Inheritance Tax.
Does it take student loans into account?
Yes. Student loan repayments are included when working out your take-home pay and tax-saving options.
Which tax years are supported?
Every tax year from 2021-22 to 2026-27. The free plan covers the current tax year; Premium lets you move between and compare years.
Privacy and security
Is my data secure?
Your data is encrypted in transit and at rest, and we never ask for bank logins. You can turn on two-factor authentication with an authenticator app, with backup codes in case you lose your phone. See our Privacy Policy.
How do I delete my account?
In the app, go to Settings, then Delete Account. More about account deletion.
Help
How do I contact support?
In the app, go to Settings, then Help Centre / FAQs, or email support@savingtax.uk.
Can I use SavingTax if I do not live in the UK?
SavingTax is built for UK taxpayers. If you are taxed elsewhere, its figures and guidance may not apply to you.
Ready to understand your tax?
Download SavingTax free on iPhone and Android.