Stakkr
Cut your hours — or replace the job entirely?
Work out the take-home you'd lose by dropping some hours, or all of them, then see whether a stack like this covers the gap. Move the numbers — the maths follows.
Reduce your hours
Student loan repayments (if any)
Hours to cut per week
Fill in "Current weekly hours" above to replace all of them.
Fill the gap with your stack
The same streams as the Stackable Income calculator. Pick the ones you'd realistically take on to cover the hours you're dropping — you'll set hours and rates for each next.
Choose your income streams
Flexible 13 options
Semi-flexible 4 options
Set the hours and pay for each
Choose at least one stream above, or add your own below.
Add your own income stream (optional)
Where that leaves you
Fill in Step 1 and add a stream to see this.
Step 1 prices your salary through 2026/27 income tax, employee Class 1 National Insurance, and (if set) your student loan plan; reduced hours cut your gross pay pro-rata before the bands are re-applied. If you enter your take-home instead, the gross behind it is worked back from 2026/27 income tax and National Insurance alone — pension and student loan aren't assumed in that mode. If you're paid for your time off, weekly figures spread over the full 52 weeks; if not, they spread over the weeks you actually work, and the job costs you would save only count for those weeks. Pension contributions come out of pre-tax pay (they lower income tax, not National Insurance) and aren't included in the take-home figures — those show the cash reaching your account. Your % is applied to your full salary; auto-enrolment schemes that use the £6,240–£50,270 band will differ slightly. The stack in Step 2 is stacked on top of your reduced salary: income tax and student loan on it are worked out at the band it falls into once the salary has used up your allowance, plus self-employed Class 4 NI and the £1,000 trading allowance. "Costs of doing this" is your own estimate of what you'd spend being out earning the stack — it comes off the stack's take-home but isn't a tax deduction. Savings and annual figures are rough, and the Class 4 NI annual-maximum adjustment for people paying both Class 1 and Class 4 isn't modelled. Nothing here is advice. Your entries are saved in this browser.