Model your money before you make the big decisions.

No. Strata Money is a calculation and illustration tool. It does the maths on the situation you describe and shows you the consequences. It never recommends a product, a provider, or a course of action. For regulated financial advice, see an FCA-authorised financial adviser.

Anyone earning a salary in the UK who wants to understand their real numbers, especially in the £40,000 to £200,000 band where the tax system gets genuinely complex. Particularly useful if you are approaching the 60% trap, claiming child benefit while earning over £60,000, carrying a student loan, or planning a major financial decision.

A UK financial adviser typically charges £100–£350 an hour for a single planning meeting that gives you advice for a moment in time. Strata Money is a self-service tool you use whenever you want, that updates as your situation changes, for £39.99 a year. The two are complementary, not competitive. Use the tool to understand your numbers; use a planner for decisions that need regulated advice.

AI is excellent for understanding concepts and asking 'what if' questions, but it is the wrong tool for modelling your actual numbers across decades. It can describe the 60% tax trap; it cannot project your specific figures forward 40 years with tax, pension, mortgage and CGT interacting year by year. AI can produce confident, authoritative-looking numbers that are simply wrong, and you have no way to tell. Strata runs a deterministic engine: the same inputs always produce the same audited result, built on this year's actual, verified UK tax rules. Ask AI the same question twice and you can get two different answers. Nothing persists, nothing compounds, and you cannot compare scenarios side by side. Strata is a model you can return to, adjust, and compare. Strata is not AI guessing. It is a tested calculation engine.

You can, and a good spreadsheet is a brilliant tool. But it takes hours to build, and it is never really finished. If you value your time at your own hourly rate, you are spending a lot of it rebuilding something that already exists, tested and current. The hard part is not a tax calculation. It is the interactions: salary sacrifice lifting you out of the 60% trap, while changing your child benefit, while shifting your mortgage maths, while a GIA drawdown to fund a house move triggers CGT. That is the part spreadsheets quietly get wrong. A single wrong cell or a stale rate compounds silently across 40 projected years and you would never know. Strata's engine is tested against a large scenario suite, so the logic is verified, not hand-rolled. UK tax thresholds and rules change every April. Your spreadsheet does not update itself. Strata's engine stays current. Strata is for when you would rather the modelling were already built, tested, current, and easy to compare side by side.

Yes, in one click, anytime, from your Account page. Subscriptions renew automatically at the end of each billing period; when you cancel, you keep access until the end of the period you have already paid for and you are not charged again. Annual subscribers can cancel free within the 7-day trial and are not billed.

Strata Money is actively developed, and annual subscribers get founding-member access to new modules at no extra cost when they ship. We’re focused on going deeper where it matters for UK earners, from richer retirement and inheritance modelling to spotting gaps in your wider financial picture. We’d rather get the maths right than promise dates, so we don’t, but if there’s something you’d find valuable, tell us. It shapes what we build next.

Strata Money is built by a UK founder with a structured finance background. After years of financial modelling and scenario analysis for bespoke institutional structures, the same instincts applied to personal finances revealed how much of the UK system is opaque to ordinary earners. Strata Money brings that same modelling power to everyone, not just institutions.