Most UK high earners will quietly hand over more than a million pounds in tax over a working life — the only million-pound purchase in a British life that arrives with no statement, no itemisation and no salesperson. Kept is the statement: the number, what it becomes over a decade or two, and what the tax code already lets you keep. Calm, legitimate, spelled out.
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 — Personal Tax
The estimate above is the surface. The Kept dashboard rebuilds your full position — household income, company profits, savings, pensions — 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 — company owner, £120,000 profit, married
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.
The estimate, the 20-year chart, the comparisons — free, no account. When you’re ready to work on your real household, pick a plan. If Kept can’t find you more than its own price, it will tell you that honestly — but for most people earning over £60,000 the first lever alone covers a decade of Kept.
Personal Tax
Business Plus
Both renew automatically — we email you before they do, and you can cancel in one click from your account. Full refund within 14 days, no questions. Start on Personal and upgrade any time: the price swaps in place, pro-rata — never a second subscription. Guidance, not regulated financial advice.