Know your real take-home.
Tax, National Insurance, pension, student loan. All of it. See exactly what lands in your account, then split it like a Finance Nurse.
What actually lands
Private, NHS or self-employed. Pop your numbers in and watch your real take-home come up.
Estimates using 2026/27 rules for England, Wales and Northern Ireland. Your payslip is the final word.
Split it your way
Three ways to divide your take-home. Pick the one that fits your life. You get all of them inside the app.
That's your pulse check. Ready for the full workup?
Money Vitals is the full app: the same clean, no-jargon tool, with everything your money actually needs.
- ✚Debt payoff plan
Snowball or avalanche. See your exact debt-free date and what you'll save.
- ✚Your FIRE number
When you could stop working, counting your NHS/workplace pension, investments and property.
- ✚Net worth tracker
Everything you own, minus what you owe, watched month by month.
- ✚A year of budgets
Every month saved on your phone, with your savings rate building up.
- ✚Shift pay planner
See what a bank shift or overtime actually adds after tax, NI and pension.
Secure checkout by Lemon Squeezy. Price includes VAT. Covers England, Wales and Northern Ireland; Scottish income tax rates aren't included yet. Already bought it? Open the app.
About the Finance Nurse
Hi, I'm Izzy; a Registered Mental Health Nurse, seven years on the wards. I trained in Nigeria, moved to the UK at the end of 2021 and figured out UK money the hard way, payslip by confusing payslip.
I built Money Vitals because it's the tool I wish I'd had: it takes your vitals, gives you the honest reading and points you at what to do about it. No jargon, no selling you anything you don't need.
Educational, not regulated financial advice.
Money notes, no lectures
Straight talk on personal finance, lifestyle and wealth creation, a couple of times a month. Free, on Substack.
Send me the good stuffQuestions, answered straight
Is my money data private?
Yes. Everything you type stays on your own device. It isn't uploaded and I never see a single figure.
Does it work in Scotland?
Not fully yet. Income tax and National Insurance are worked out for England, Wales and Northern Ireland. Scottish income tax bands aren't included yet.
Can I use it on more than one device?
Your licence works on up to 2 devices. Your data lives on each device separately for now, so your phone is the best place to start; it installs to your home screen like a normal app.
What happens if I get a new phone?
Before you switch, tap Back up my data in the app and it saves a file. Open the app on your new phone, enter your licence key and restore the file. You're back where you left off.
Is it a one-off or a subscription?
One-off. Pay £9.99 once, including VAT, and it's yours to keep. No monthly fee.
How do refunds work?
Payments go through Lemon Squeezy, who handle the money side. If something isn't right, email me at thewealthwardfinance@gmail.com and I'll sort it quickly.
Is this financial advice?
No. It's a tool to help you see your own numbers clearly and make your own calls. It's educational, not regulated advice.
Got a question? That's me on the other end.
No bots, no ticket queue. Email thewealthwardfinance@gmail.com and I read every one.