Question 1

How accurate are the calculations?

Accepted Answer

Income tax, National Insurance, student loan and stamp duty use the verified 2026/27 rates from gov.uk, gov.scot and Revenue Scotland. Amortisation matches standard mortgage maths. Results are illustrative estimates, not financial advice.

Question 2

Which tax year do these figures use?

Accepted Answer

The 2026/27 UK tax year. Personal Allowance £12,570 and the higher-rate threshold are frozen to April 2028.

Question 3

Where is my data stored?

Accepted Answer

Only in your browser (localStorage). Nothing is sent to a server — all calculations run on your device. There is no account and no tracking of your figures.

Question 4

Will my data survive a refresh?

Accepted Answer

Yes. Your inputs are saved in your browser and restored on refresh and when you reopen the tab on the same device. Use the share link or export to move data to another device.

Question 5

Is a shared link private?

Accepted Answer

No — a share link encodes your figures in the URL, so anyone you send it to can see them. Only share it with people you trust.

Question 6

Why is my take-home different from my payslip?

Accepted Answer

Payslips reflect your tax code, taxable benefits, pension method and pay frequency. Enter your tax code and pension details for a closer match — but timing and employer-specific items can still differ.

Question 7

Is this financial advice?

Accepted Answer

No. Quidkit provides information to help you understand your finances. It does not recommend products or constitute regulated financial advice.

Question 8

Is it free?

Accepted Answer

Yes — free, with no login and no sign-up.

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