Vecta
Your household money, clearly, from this month to age 90
Moving inside IR35, winding down your company, or planning to stop work early? Vecta turns your payslips, pension statements and tax bills into one live dashboard, and keeps it current when you type what changed.
No account needed. Your figures stay in your browser.
How it works
Tell it your situation
Answer a short form, or describe things in your own words and add documents. The assistant fills in the figures; you check every one.
Get your dashboard
Take-home under each way of working, every self-assessment payment and date, your safety buffer, pension build-up and retirement income to 90.
Keep it current
Type "paid the January tax" or "pension is now £16,200". You see the changes before anything is saved, with a full history.
What you'll see
- Inside versus outside IR35 take-home, including umbrella costs and pension salary sacrifice
- Self-assessment balancing payments and advance payments, against the money you've set aside
- Emergency cover in months, against your own target
- Pension build-up to your stop-work age, with a "what if I saved more" scenario
- Household income year by year to 90: savings drawdown plus State Pensions
- Options to explore for every figure, calculated from your numbers
Guidance and modelling, not advice
Vecta shows the consequences of the figures and choices you enter. It does not recommend financial products or tell you what to do, and it is not authorised by the Financial Conduct Authority. Every assumption is visible and editable. For personal advice, speak to a regulated financial adviser or your accountant.