Built to show the maths, not to sell you a product.

Strata Money is a UK personal-finance workspace. You enter your real figures and see how every lever, tax, pension, child benefit, ISA, student loan, mortgage, interacts across your take-home, your monthly cashflow, and your lifetime net worth, and how one decision moves all three at once.

How we approach it

Every figure traces back to the rules and the numbers you entered, nothing is a black box. We test the engine against thousands of scenarios so the maths holds up, including the awkward edge cases most calculators quietly get wrong. We explain the mechanics in plain English, but we don't hide the detail: if you want to see exactly how a number was reached, you can.

Guidance, not advice

Everything in Strata Money is educational illustration, based on the figures you provide and current UK tax rules. We are not regulated financial advisers and we don't tell you what to do with your money. We show you the maths so you can make your own decisions, or walk into an adviser's office already understanding your position.