Free UK calculators · No login required · Join 500+ on the waitlist

Understand your ISA, pension and portfolio before you make your next money move.

Free UK investment calculators and portfolio clarity tools for DIY investors.

Or see how the calculators work →

No card needed · Free to use · No regulated advice — just clear information

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£5,028
Example tax saving at £115k salary, subject to individual circumstances
30 min
From confused to clear picture
500+
UK investors on the waitlist
5
Platforms supported at launch
Free tax calculator · No login

Try the 60% tax trap calculator

Free, no login required. See illustrative figures based on your salary.

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The problem

Most UK investors are
flying blind.

Not because they don't care. Because the information is scattered, jargon-heavy, and rarely explained in plain English for their actual situation.

Investor reviewing finances thoughtfully

"I had no idea about the personal allowance trap."

How ClarityISA explained the 60% tax band clearly in 20 minutes.

🗂️

Money scattered across platforms

3, 4, 5 accounts with no unified view. No clear picture of what the whole portfolio looks like or how it fits together.

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Paying thousands in avoidable tax

Unclaimed SIPP relief. ISA allowance expiring unused. The 60% trap most people have never heard of. Areas worth understanding before the tax year ends.

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Too many positions, no clear picture

50+ positions with no clear picture of concentration, overlap, or how each one fits the whole. Easy to accumulate, harder to understand.

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No clear view of whether you're heading where you want

Investing regularly but with no clear view of whether the wrappers, amounts, or allocation reflect what you actually want.

⚠️ The £100k trap

If you earn between £100k and £125k, you're paying 60% tax. Most people have no idea.

Between £100,000 and £125,140, the government claws back your personal allowance at £1 for every £2 you earn — creating an effective 60% marginal tax rate on that entire band. In some cases, pension contributions can reduce adjusted net income and may reduce or remove exposure to the personal allowance taper.

Find out what you're missing →
60%
Effective marginal tax rate between £100k and £125,140
£5,028
Illustrative tax difference at £115k salary using pension contribution scenarios
67%
Instant return on every SIPP contribution as a 40% taxpayer — before it even invests
How it works

From scattered
to sorted.

Four steps. 30 minutes. A clearer picture of what you own and how UK tax wrappers work.

01
💬

Tell us your situation

Five quick questions. No jargon. Income, platforms, what you already hold. We use this to show you relevant calculators and factual context.

02
🔍

See your portfolio clearly

Import your holdings and see a factual breakdown — what you own, where it sits, how it's allocated across ISA, GIA, SIPP, and crypto.

03
🤖

Run the calculators

Use free UK tax calculators to model your SIPP relief, check your ISA allowance, compare platform fees, and understand the 60% trap — based on the numbers you enter.

04
📈

Understand, then decide

Read the educational modules, explore the scenarios, and take your questions to a regulated adviser — better informed than before.

Who it's for

Whatever stage you're at.

ClarityISA is built for UK DIY investors at every stage — not just the wealthy, not just the experienced. Free tools, plain English, no jargon.

Just Starting 🌱

You haven't invested yet — but you want to.

You have savings sitting in cash. Everything feels complicated. ClarityISA shows you how ISAs, SIPPs and tax wrappers work — clearly, without the overwhelm.

Finding My Way 🗺️

You're investing but it feels messy.

Money on multiple platforms and too many positions. Explore what you own and see how it fits together in 30 minutes.

Ready to Review 🎯

You're serious — and suspect you're leaving money on the table.

Tax wrappers, SIPP relief, platform fees. Use our free calculators to see the numbers — based on what you actually earn and hold.

clarity
Early feedback

"Unreal."

The kind of clarity we're building for.

★★★★★
"I had no idea I was paying 60% tax on part of my salary. One SIPP contribution later and I'm saving over £5,000 a year. I wish someone had told me this ten years ago."
James L.Project manager · Rochester
★★★★★
"I had money on four different platforms and genuinely had no idea what I owned. ClarityISA gave me a clear plan in 30 minutes. Why doesn't everyone have this?"
Sarah R.NHS nurse · Manchester
★★★★★
"I thought investing was for people who already knew what they were doing. Turns out I just needed someone to explain it without making me feel stupid."
Marcus T.Teacher · Birmingham
Scope

What ClarityISA does
and does not do.

We do

  • Explains UK investing in plain English
  • Helps you understand ISAs, SIPPs, tax wrappers and platform setup
  • Shows areas where UK tax rules, wrappers or platform structure may be relevant
  • Gives educational context and illustrative scenarios to explore

We don't

  • Manage your money
  • Execute trades
  • Tell you to buy or sell specific investments
  • Provide regulated financial advice — always consider your personal circumstances or consult a qualified financial adviser
Coming soon

Clarity Reports

A structured, factual report on your portfolio. What you own, where it sits, what the UK tax picture looks like — clearly explained, based on the information you provide.

📄

Factual portfolio breakdown

What you hold, how it's allocated across ISA, GIA, SIPP and crypto, and what the numbers show.

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Illustrative tax scenarios

See how SIPP contributions, ISA usage and wrapper choices affect your tax position — based on the figures you enter.

📊

Platform fee comparison

A factual view of what you're paying across platforms, with illustrative alternatives based on your portfolio size.

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Plain English explanations

Every section explained clearly — no jargon, no assumed knowledge, no regulated advice.

From £19 — one-off payment, no subscription. Not yet available.
This is educational information only and not regulated financial advice. Always consider your personal circumstances or consult a qualified financial adviser.

Your portfolio deserves clarity.
Start here — free.

Free UK investment calculators and portfolio tools for DIY investors. No card. No jargon. No regulated advice — just clear information.

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