Stakkr · Tool No. 3
What could you stack instead?
Starting from £0, see what your real net take-home would be if you stacked a few flexible income streams — after UK tax and National Insurance.
Choose your income streams
Pick as many as you'd realistically consider. You'll set hours and rates for each next.
Flexible 13 options
Semi-flexible 4 options
Set your hours and rates
Choose at least one stream above to continue.
The other weeks are unpaid time off — flexible income doesn't come with holiday pay, so they simply don't earn. All the annual figures below use this.
Add your own income streams (optional)
Student loan repayments (if any)
Repayments are 9% of income above your plan's threshold (6% for a Postgraduate Loan), calculated on your total taxable income above, same as HMRC would via Self Assessment.
Choose at least one income stream above — your take-home works out live as you go.
Net annual take-home
£0/wk · £0/mo
Where it comes from
Compared to your current job
From your True Hourly Wage check — the money and the hours it takes.
Rates are editable estimates, not advice. The first £1,000 of taxable side income a year is left untaxed here under the trading allowance; if your actual expenses top £1,000 you'd claim those against tax instead. "Costs of doing this" is your own estimate of money spent being out earning it — it comes off your take-home here but isn't treated as a tax deduction. Annual figures multiply your weekly totals by the weeks you said you'll work (48 by default), since flexible income has no holiday pay. The weekly take-home shown is for a week you work; the monthly figure spreads the year over 12. Based on 2026/27 tax, National Insurance, and student loan repayment bands. Your entries are saved in this browser.