Complete financial intelligence for NHS professionals
AI-powered document analysis, 20+ NHS-specific calculators, and a practice workspace for accountants and IFAs, purpose-built for the complexity of NHS pay, pensions, and tax.
AI-assisted document analysis
Upload any NHS financial document and AI proposes extracted figures and structure so you work from the same source material, with room to validate before anything is used.
NHS Pension Statements
Annual benefit statements, pension forecasts, and scheme information
Payslips & P60s
Monthly payslips, annual P60s, and salary documentation
Tax Documents
P45s, tax certificates, and HMRC correspondence
Financial Reports
Investment statements, benefit summaries, and financial records
AI with real NHS financial context
Every AI feature is aimed at NHS financial complexity, not generic financial planning.
Intelligent Document Analysis
AI proposes extracted figures and structure from PDFs and scanned documents (payslips, P60s, pension annual statements, TRS) ready for your review.
NHS-Aware AI Chat
Ask questions about pension tiers, annual allowance, McCloud remedy, IR35, or take-home pay in plain English, with your uploaded documents as context.
Current NHS Data
Tax rates, pension tier thresholds, annual allowance, and NHS pay bands are updated each tax year, with Scottish, Welsh, and UK income tax handling where you tell us your situation.
Client-Specific Context (Practice)
Practice users can ask AI against a specific client's consented documents. Conversations stay on the client record and are audit-logged.
Calculators that understand NHS complexity
Pension planning, tax, pay bands, annual allowance, McCloud remedy, and more, using current NHS frameworks and your chosen UK pay region.
NHS Pension Calculators
Comprehensive pension planning tools covering all NHS schemes with accurate projections and retirement modelling.
- NHS Pension Calculator
- Annual Allowance Calculator
- McCloud Remedy Impact
- Retirement Planning Calculator
Tax & National Insurance
Complete UK tax calculation suite with NHS-specific pension contribution adjustments and optimisation strategies.
- Income Tax Calculator
- National Insurance Calculator
- Student Loan Calculator
- Comprehensive Tax Calculator
NHS Career Planning
Strategic career advancement tools designed specifically for NHS professionals at every stage.
- Career Progression Calculator
- Salary Progression Calculator
- On-Call Supplement Calculator
- Study Leave Calculator
Financial Planning Tools
Personal finance calculators tailored for NHS professionals' unique financial circumstances.
- Mortgage Affordability Calculator
- Benefits Optimisation Calculator
- Training ROI Calculator
- Flexible Benefits Calculator
Specialised NHS Tools
Purpose-built calculators for NHS-specific situations and allowances.
- Maternity Leave Calculator
- Locality Pay Calculator
- Night Shift Calculator
- Agency Work Calculator
Advanced Analytics
Sophisticated analysis tools providing deep insights into your financial strategy and career planning.
- Carry-Forward Calculator
- Long-term Financial Projections
- Scenario Modelling
- Comparative Analysis
England, Scotland, Wales & Northern Ireland
Staff choose an NHS pay region for pay references. Tax calculators support Scottish income tax bands when you are a Scottish taxpayer, recognise Welsh PAYE coding and Welsh rates of income tax where they apply, and treat Northern Ireland with UK income tax bands (aligned with England), not the Scottish schedule.
- Four NHS pay regions in your profile
- Scottish income tax bands when applicable
- Welsh taxpayer codes and devolved rates awareness
- Northern Ireland: UK income tax, regional pay sources
Try the calculator now
Interactive NHS 2025/26 data. Compare pension scenarios, salary sacrifice options, and tax implications with accurate figures.
NHS Career Modeling
Compare career paths with real financial impact
Select career scenario to analyze:
NHS Consultant (Full-time)
£105,504 base
48 hours/week
Flexibility: Low
Locum Consultant
£130,000+ base
Flexible shifts
Flexibility: High
LTFT Consultant (80%)
£84,403 base
38 hours/week
Flexibility: Medium
Using current NHS consultant salary (£105,504), locum rates (£130,000+), and pension data from the 2025/26 frameworks
Share evidence with your adviser, or run your own firm's workspace
NHS professionals can share documents with their accountant or IFA. Firms can manage a whole book of NHS clients from a dedicated practice workspace with consent, readiness, and audit built in.
Document sharing
Share pension statements, calculations, and reports with your adviser or accountant. Permission levels and optional expiry dates are built in. See our Privacy Policy for how sharing is logged.
- Permission-based access
- Time-limited sharing
- Audit trail logging
AI Chat & Insights
Ask questions about your financial documents and get answers that refer to your uploaded evidence: payslips, pension statements, and P60s.
- Document-specific context
- Persistent chat history
- NHS-specific knowledge
Practice Workspace
Accountants and IFAs get a dedicated workspace with GDPR-compliant client consent management, readiness tracking, branded PDF packs, and an in-app setup checklist after checkout.
- Client readiness dashboard
- Branded PDF packs
- GDPR consent trail
Find IFAs and accountants who know NHS pensions
Browse a directory of FCA-regulated advisers and AISMA-qualified accountants with proven NHS expertise. Request an introduction from within the platform.
Independent Financial Advisers (IFAs)
Connect with FCA-regulated advisers specialising in NHS pension optimisation, carry-forward planning, career transition, and long-term financial strategy.
- NHS pension scheme expertise (1995/2008/2015)
- Career transition and retirement planning
- Investment and portfolio management
- Protection and insurance planning
NHS-Specialist Accountants
Get matched with AISMA-qualified accountants who handle complex NHS tax situations, annual allowance issues, scheme pays elections, and private practice setup.
- Annual allowance and carry-forward calculations
- Scheme Pays and tax charge management
- Private practice and partnership tax planning
- Self-assessment and HMRC compliance
Security practices we can stand behind
We use HTTPS, bcrypt password hashing, JWT sessions in httpOnly cookies, PostgreSQL with TLS to the database in production, and role-based access for admin features. Full detail is in our Privacy Policy.
- Passwords hashed with bcrypt (not stored in plain text)
- UK GDPR-aligned handling (see our Privacy Policy)
- PostgreSQL storage; production DB connections use TLS
- Audit-style logging for document sharing and access events
- Role-based access controls for admin and privileged actions
- Signed JWT sessions delivered via httpOnly cookies
Ready to transform your NHS financial planning?
Built specifically for NHS professionals: pension, tax, career, and specialist adviser access in one place.