Toolkit

Practical Excel workbooks for UK tax planning. Everything on CalcOrchard is free — these are the exceptions: deep, private, spreadsheet-based tools you can use offline, share with your accountant, and keep forever.

Which one is for me?

Different problem, different workbook. Pick by which question is keeping you up at night:

"I'm a PAYE employee earning over £100,000 and losing my Personal Allowance."

→ £100k Trap Escape Toolkit

Models salary sacrifice, bonus timing, personal SIPP top-ups and Gift Aid. Aimed at £100k–£160k earners on payroll.

"I'm a contractor deciding between Inside and Outside IR35 (or umbrella vs Ltd)."

→ IR35 Decision Kit

10-question status scorecard plus a live net-pay comparison across umbrella, Ltd low salary, and Ltd high salary.

"I do a mix — some PAYE, some contracting."

→ You'd benefit from both. There's no bundle yet — but they're on the same £19 tier so you can pick the one that matches this year's dominant income.

£100k Trap Escape Toolkit £19 Live

Six-sheet Excel workbook for anyone earning £100k–£160k. Models salary sacrifice, bonus timing, personal SIPP top-ups, and Gift Aid — with your numbers — to show exactly how to reclaim the Personal Allowance and beat the 62% marginal rate. Companion to the free £100k Trap Escape Playbook.

Learn more → · Buy for £19 →

IR35 Inside vs Outside Decision Kit £19 Live

Six-sheet Excel workbook for UK limited-company contractors. Includes a 20-question CEST-style status scorecard weighted by IR35 factors (substitution, MOO, control, financial risk) and a side-by-side net take-home comparison across Outside/Ltd, Inside/deemed, and Umbrella — plus a pension-optimiser for the Ltd path. Companion to the free IR35 calculator.

Learn more → · Buy for £19 →

More coming

A Scottish-rates variant across both workbooks and a landlord Section 24 restructuring model are on the roadmap. Suggestions welcome — [email protected].