Bitwise Masters Project
UK Multi-Scenario Financial Planner
A practical planning tool for UK households balancing income strategy, childcare eligibility, and rental-property decisions.
Problem framing
Connected household trade-offs in one model
The calculator models a common real-life pathway where two earners want to manage Adjusted Net Income (ANI), protect childcare entitlement, and assess whether renting out an existing property remains sustainable after relocating.
Instead of reviewing salary, tax, and rental assumptions separately, the tool brings them into one scenario view so households can compare outcomes quickly.
Core capabilities
- ✓Built with Next.js for fast, reliable scenario exploration
- ✓ANI estimation and salary sacrifice what-if planning per person
- ✓30 funded childcare hours threshold comparison support
- ✓Financial planning outputs for rental profitability and after-tax monthly cashflow
- ✓Break-even monthly rent output for relocation + letting scenarios
- ✓Local-first architecture with locally saved scenarios
Scope and disclaimer
Decision support, not regulated advice
The model is designed for structured what-if planning and comparison. It helps users estimate operational outputs such as taxable rental profit, monthly after-tax cashflow, and break-even rent under user-provided assumptions.
It is intended as an exploratory planning tool and does not constitute formal tax, legal, or financial advice.
Privacy is a core product constraint: calculations run locally and saved scenarios remain local to the user.
Product preview
Calculator interface snapshot
