You would never commit a million pounds to anything else without a statement, a forecast and a second opinion — yet a career on £85,000 hands over £1,005,704 in direct tax alone. Kept gives tax the treatment you give a mortgage: the full number below in seconds, then a twenty-year forecast of what each legitimate relief is worth to your household.
Guess your lifetime tax bill. Then check it.
Computed on your device with 2026/27 rates — nothing you type here is sent or stored.
Type an income to see the number nobody shows you.
Your total tax for the year — income tax, National Insurance and, for company owners, the company layer too. Then what it adds up to over 20 years.
The dashboard — free for every household
The estimate above is the surface. The Kept dashboard rebuilds your full position — both incomes, savings, pensions, the child benefit — and lets you flip each relief on and off to watch your tax bill and your 20-year wealth react. Every figure traces to an input you gave and a rule we cite.
Sample plan — £110,000 salary, married, two children
No secrets here
There’s no loophole. There’s a rulebook roughly 20,000 pages long, and nobody is paid to read you your chapter. Every lever Kept models sits in HMRC’s own manuals — reliefs Parliament wrote on purpose, waiting to be claimed. You weren’t negligent. You were never sent the bill.
No card, no trial clock, no cut-down version. An account exists for one reason: saving your household so you can pick it up on any device. Run a company? On £120,000 of profit, the standard draw and the pension-assisted draw sit £10,556 a year apart — Kept Business prices those levers on your actual numbers, and if it can’t find you more than £199, it says so.
Personal
Rather skip it? Open the dashboard bare and fill it in as you go.
Kept Business
Business renews automatically — we email you before it does, and you can cancel in one click from your account. Full refund within 14 days, no questions. Guidance, not regulated financial advice.