Inside calculator
FreeModel take-home pay for Inside IR35 scenarios.
Included with Free
Understand your contractor pay in one clear place.
Model your take-home pay, verify payslips and plan ahead with tools built specifically for UK contractors.
Features
RateClarity is a focused finance tool for UK contractors. Not a spreadsheet. Not a generic calculator.
Included with Free
Outside calculator
FreeModel take-home pay for Outside IR35 scenarios.
Included with Free
Forecast saving
FreeSave and review forecast scenarios.
Included with Free
Included with Pro
Payslip audit
Pro Locked featureCheck payslip inputs and deductions against expected calculations.
Included with Pro
Reverse calculator
Pro Locked featureEstimate the day rate needed for a target net pay.
Included with Pro
Tax deadlines
Pro Locked featureTrack important HMRC dates in one place.
Included with Pro
Pension tax relief tool
Pro Locked featureVisualise pension contribution impact on effective tax.
Included with Pro
Dividend tax calculator
Pro Locked featureEstimate dividend tax from your selected inputs.
Included with Pro
Runway calculator
Pro Locked featureEstimate financial runway from savings and outgoings.
Included with Pro
Market rates
Pro Locked featureUse market context when assessing day rates.
Included with Pro
Future tax years
Pro Locked featureUnlock 2025/26 and 2026/27 tax year selection.
Included with Pro
Simple pricing. Clear difference.
Start with Free. Upgrade to Pro when you want verification, advanced modelling and planning tools.
Free
- Inside calculator
- Outside calculator
- Forecast saving
Pro
- Payslip audit
- Reverse calculator
- Tax deadlines
- Pension tax relief tool
- Dividend tax calculator
- Runway calculator
- Market rates
- Future tax years
Pro pricing
£1.99 monthly
Annual comparison based on £1.99 x 12 = £23.88 versus £9.99 annual.
| Feature | Free | Pro |
|---|---|---|
| Inside calculator | ✓ Included | ✓ Included |
| Outside calculator | ✓ Included | ✓ Included |
| Forecast saving | ✓ Included | ✓ Included |
| Reverse calculator | — Not included | ✓ Included |
| Tax deadlines | — Not included | ✓ Included |
| Payslip audit | — Not included | ✓ Included |
| Pension tax relief tool | — Not included | ✓ Included |
| Dividend tax calculator | — Not included | ✓ Included |
| Runway calculator | — Not included | ✓ Included |
| Market rates | — Not included | ✓ Included |
| Future tax years (2025/26 and 2026/27) | — Not included | ✓ Included |
Subscriptions are managed via the App Store. Prices may vary by region.
Privacy
RateClarity is designed to keep data handling minimal and practical.
- No advertising trackers
- No third-party marketing analytics
- Basic diagnostic data may be provided by Apple for app functionality and stability
- Data is stored locally and can optionally sync with iCloud
Terms
Acceptance of terms
By using RateClarity, you agree to these terms.
No financial or tax advice
RateClarity is a planning and informational tool. Professional advice should come from a qualified adviser.
Limitation of liability
RateClarity is provided as-is. Estimates and projections should be checked against your own records and advice.