What you’ll find here
You’ll find simple calculators that turn complicated trade-offs into one clear outcome: your likely real gain. That means considering things people often forget — Universal Credit changes, childcare costs, and basic “it costs money to work” expenses.
The site is designed to be calm, fast, and usable on a phone. No lectures, no judgement — just numbers you can sanity-check.
The recommended flow
- Start with Is it worth working? for a quick reality check.
- Use the Universal Credit calculator when you need proper UC numbers.
- Use Childcare vs extra work for “one more day” decisions.
- Use the Break-even helper to see what must change to make it worth it.
What this site is not
This is not an official government tool, and it is not financial or legal advice. Universal Credit can vary due to deductions, sanctions, other benefit elements, and personal circumstances.
Think of this site as a decision helper: it’s here to show you the direction and scale of the change — so you can avoid nasty surprises and ask better questions.