Keep more of what you earn. Without earning a penny more.

No. Earnwise is an educational planning tool that shows you what's available under current tax rules — it is not regulated financial, tax or pensions advice, and Earnwise is not FCA-authorised. For anything you intend to act on, especially larger pension or carry-forward decisions, we'd always recommend checking with a qualified financial adviser or accountant.

UK employees earning roughly £80,000 and above — in tech, finance, consulting, engineering, medicine, law and senior management — who are on PAYE and whose employer offers (or could offer) salary sacrifice. If you're anywhere near the £100k–£125,140 band, the personal allowance taper alone usually pays for Earnwise many times over.

Earnwise is currently built around PAYE employment — salary sacrifice, benefit-in-kind schemes and employer pension contributions all rely on having an employer to run them through, so it's most powerful if you're employed. Several of the other levers (personal SIPP contributions, Gift Aid, Marriage Allowance, VCT/EIS/SEIS) still apply if you're self-employed or a director, but the core employer-side modelling won't. We're exploring a self-employed and director version — let us know if you'd like to hear when it's ready.

It helps, but it's not essential. Earnwise shows you what to ask for — many of these schemes cost employers little to nothing to set up, and we'll give you the wording to raise it with HR.

A full tax year of unlimited access to The Earnwise Calculator — run as many scenarios as you like, as often as you like — refreshed each time allowances or thresholds change, plus a downloadable summary of your plan to take to payroll or your adviser. It renews automatically each tax year unless you cancel, and if it's not useful, ask for a refund within 14 days of your first payment.

Your numbers are used only to calculate your results. See our Privacy Policy below for the full detail on what we collect, why, and how to contact us about it.

Earnwise (earnwise.co.uk) is operated by Catalyst Partners Limited ("we", "us"), which is the data controller for the personal data described here — see Company information in our Terms & Conditions below for our full registered details.

What we collect: account details (name, email, a securely hashed password — we never store your password in readable form); payment status (payment itself is handled entirely by our payment processor — we never see or store your card details); the figures you enter into The Earnwise Calculator, used to generate your results; and, only if you actively request them, details you provide for an adviser introduction or an emailed summary. We also collect standard technical and usage data, and anything described in our Cookie Policy below.

Why: to provide your account and The Earnwise Calculator (contract necessity); to process your payment (contract necessity); to send you anything you've specifically requested, such as an adviser introduction or a PDF summary (consent); to improve the service (legitimate interest, or consent where cookies require it); and to meet our own legal and accounting obligations.

Who we share it with: our account-hosting and payment-processing providers, each acting under their own data processing terms with us, and a regulated financial adviser, but only where you've actively asked for an introduction. We do not sell your personal data to anyone.

How long we keep it: account data for as long as your account is active, and for a limited period afterwards in case you wish to reactivate; adviser-introduction and summary-request data for a limited period or until the request is concluded.

Your rights: under UK GDPR you can access, correct, delete, restrict or port your personal data, and object to certain processing. Contact us at privacy@earnwise.co.uk to exercise any of these. You can also complain to the Information Commissioner's Office (ico.org.uk) if you believe we've mishandled your data.

Children: Earnwise is intended for adults aged 18 and over; we do not knowingly collect data from anyone under 18.

Contact: privacy@earnwise.co.uk.

Company information: earnwise.co.uk and The Earnwise Calculator (the "Service") are provided by Catalyst Partners Limited, a company registered in England and Wales under company number 17367408, with registered office at Apollo House, Hallam Way, Whitehills Business Park, Blackpool, England, FY4 5FS ("Catalyst Partners", "we", "us"). "Earnwise" is a trading name of Catalyst Partners.

What Earnwise is — and isn't: an educational modelling and calculation tool that shows you, based on figures you enter, how UK tax rules might apply to different ways of structuring your income, pension contributions and benefits. Earnwise is not financial, tax, legal or pensions advice. We are not authorised or regulated by the Financial Conduct Authority, and nothing on the Service should be relied on as a substitute for advice from a qualified, regulated financial adviser or accountant.

Eligibility: you must be at least 18 and UK resident to use the Service.

Your account: you're responsible for keeping your login confidential and for all activity under your account.

Price and payment: full access is provided for an annual payment, currently £29.99 per tax year, shown in pounds sterling. We are not currently VAT-registered, so no VAT is added to this price; if that changes in future, this clause will be updated to say whether VAT is included in or added to the price shown. Your access renews automatically each year on 6 April (the first day of the new tax year) at the price then in effect, unless you cancel before that date. We'll email you ahead of each renewal to remind you it's coming and explain how to cancel if you don't want to continue.

Your right to cancel: because this is a distance contract, UK law (the Consumer Contracts Regulations 2013) gives you the right to cancel within 14 days of your first purchase, without giving a reason, for a full refund. We go further than the law requires: our money-back guarantee is unconditional for the full 14 days, whether or not you've used The Earnwise Calculator, and we don't deduct anything for use already had. After the 14-day period, your payment for that tax year is non-refundable except as required by law. You can also cancel at any time ahead of a renewal — just email us before your renewal date and we won't charge you again, and this won't affect the access you've already paid for. To cancel at any point, email support@earnwise.co.uk.

Quality of the Service: nothing in these terms affects your statutory rights under the Consumer Rights Act 2015, including your right to a repeat performance or a price reduction if the digital content we supply is not of satisfactory quality, fit for purpose, or as described.

Accuracy of figures: the Service calculates results from the figures you provide and from UK tax rules as we understand them at the time. We don't guarantee the figures are error-free or reflect your full personal circumstances, and we accept no liability for decisions made on the basis of the Service, to the fullest extent permitted by law. Nothing in these terms limits liability for death or personal injury caused by negligence, fraud, or anything else that cannot lawfully be excluded, or affects your statutory rights above.

Acceptable use: don't use the Service to access other users' data, to reverse-engineer The Earnwise Calculator's logic for commercial reuse, or in any way that breaches applicable law.

Intellectual property: Earnwise® is a registered trademark. The Service's design, The Earnwise Calculator's underlying logic, and content belong to us or our licensors.

Governing law: England and Wales.

Complaints: email support@earnwise.co.uk and we'll aim to resolve it directly. Earnwise is not part of any sector-specific ombudsman scheme (it is not a regulated financial product), but unresolved disputes can be referred to Citizens Advice or Trading Standards.

Earnwise does not currently set any cookies at all — no analytics, no marketing or tracking cookies, and (until accounts are live) no login cookie either. Because of this, no cookie consent banner is currently needed. If this changes in future — for example, if we introduce analytics or a persistent login — we'll update this policy first and show a consent banner before any non-essential cookie is set, as UK cookie law (PECR) requires.