How it works
Reviewed: September 2026
Redundancy Take Home helps you find out how much money you'll actually get from your redundancy package. It's an estimate, not advice — but we explain what each number means in plain English.
1. Enter your package
Tell us what's in your offer — redundancy pay, extra from your employer, settlement compensation, notice pay (PILON), holiday pay, wages and bonuses. We separate payments that may be tax-free (up to £30,000 combined) from those that are usually taxed like normal earnings.
2. We classify each payment
Taxable earnings (PILON, holiday pay, wages, bonuses) are taxed with PAYE and National Insurance. Qualifying termination payments (redundancy, genuine compensation) may use the £30,000 exemption. We do not simply subtract £30,000 from your total package — that would be wrong.
3. Estimate your take-home
Using your tax year, year-to-date income, and UK tax bands, we estimate income tax and NI on each component. The result shows your estimated take-home, with a clear breakdown of what's potentially tax-free and what's taxable.
4. Estimate Universal Credit impact
We split your package into what counts as UC earnings (PILON, holiday, wages) versus UC capital (qualifying redundancy and compensation). We add net qualifying payments to your existing and partner capital, estimate tariff income, and show a 3-month transition preview. We never claim you will or won't be entitled to UC — only what the standard rules suggest.
5. Exit Transition Report (optional, £9.99)
The paid PDF is a downloadable version of your calculator results — payment breakdown, tax assumptions, employer questions, and source links for everyone. If you selected Yes or Not sure for Universal Credit, it also includes capital snapshot, illustrative transition steps, threshold guide, and claim timing checklist. See what's in the report before you buy. The free answer is never locked behind payment.
6. Compare offers (optional)
If you're negotiating, compare two scenarios side by side to see what the extra offer actually means for your take-home and capital position.
Your privacy
Your numbers stay in your browser unless you choose to purchase a report. We do not store your salary, package amounts, or savings on our servers.
We may use privacy-safe session replays to understand where people get stuck — all form inputs are masked and calculated results are not recorded. We use this to improve the site, not to view your financial details.