Zero fluff · Tax year 2026/27

Built for execution.

UK engines for capital, tax and unit economics. A paper empire to practise the same decisions. Precise language for the room.

Free · Client-side · 2026/27

Open calculators Enter the Empire

Money

Compounding, independence, debt, UK property, wrappers, runway.

Compound Engine

Growth with contributions

Project exponential capital growth with recurring contributions, compounding frequency, and real inflation drag.

Best for: Long-term index fund modelling and multi-decade wealth planning.

Open

FIRE Matrix

Independence timeline

Calculate net-worth milestones and safe-withdrawal timelines to reach financial autonomy.

Best for: Pinpointing your early retirement date and required target portfolio.

Open

Debt Payoff Engine

Avalanche vs snowball

Simulate avalanche versus snowball strategies to cut interest leakage across liabilities.

Best for: Choosing the fastest route to clear loans, cards, or a mortgage.

Open

Buy-to-Let Yield

UK property returns

Gross and net yield, Section 24 tax, debt service, SDLT, and rate-stress cashflow.

Best for: Assessing a UK residential rental before you commit capital.

Open

ISA / GIA Optimiser

Wrapper tax friction

Quantify compounding friction from dividend and CGT in a GIA versus a tax-free ISA.

Best for: Decide portfolio location and the cost of leaving money unshielded.

Open

Runway Matrix

Cash reserve target

Liquid capital required from fixed versus variable burn, dependants, and income volatility.

Best for: Calibrating cash for an employment gap or business downturn.

Open

Business

Pricing, break-even, and UK director extraction.

Billable Rate Engine

True hourly floor

Overheads, tax, non-billable hours and time off folded into a minimum hourly rate.

Best for: Freelancers and consultants setting profitable client pricing.

Open

Break-Even Engine

Volume to profit

Unit volume and revenue required to cover fixed costs and reach operating profit.

Best for: Stress-testing product economics before launching an offer.

Open

Dividend / Salary Splitter

Director extraction

Model salary versus dividend splits for a UK limited-company director under current bands.

Best for: Directors optimising take-home after corporation tax, NI and dividend tax.

Open

Simulation

Whorton Empire

Buy, staff and collect across Camden, Canary Wharf, Mayfair and King's Cross. Heat, audits and clean equity force the same choices the engines quantify.

Open Empire

Resources

Say precisely what you mean

A gentleman’s guide to business language — definition, use, replacement.

Vocabulary Say it better