One score. Eight checks. One fix to make first.
HealthScore looks at the parts of contracting that quietly decide how much you keep and how secure you are, and rolls them into a single number out of 100. Try the demo, then get your real score.
Move the controls and the score moves with them.
+6 Biggest lift: Line up your next contract before this one ends
Get your real scoreA demo of the eight checks. Your real score uses live market data and your own records in the app.
How it works.
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Answer a few questions
Tell the app about your rate, role, region, how you are paid and how long your contract has left. It takes under a minute to start.
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Get your score
Eight checks are scored and weighted into one number out of 100, with each area shown so you can see where you are strong and where you are not.
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Fix the biggest lift first
The app points to the single change that would move your score most, then re-scores you as you make it.
What each check looks at.
Every check is scored on its own and weighted by how much it tends to matter. The profile on the right is an example.
Rate vs market
How your day rate compares with others in your role, sector and region.
Rate freshness
How long it is since you last reviewed or renegotiated it.
IR35 clarity
Whether your status is assessed and the evidence is on file.
Contract runway
How many months of paid work you have secured.
CV strength
How well your CV would stand up for the next role.
Business structure
Whether umbrella, limited or sole trader is still right for your income.
Tax readiness
Whether tax is set aside as the money arrives.
Records kept
Whether invoices, expenses and payments are logged.
Beyond the score.
The score is the front door. Behind it sits the rest of the money side of contracting.
Hi Sam Senior Developer · Technology
Take home today
£299.90
Net · Umbrella
- Week
- £1,495
- Month
- £5,480
- Tax year
- £65,758
+8 since last check
History
Each point is a score check
- Rate Good
- IR35 Fair
- Contract Poor
- CV Good
Set aside per month
£3,260
£39,118 across 2026/27 · 36% of income · Based on £500/day
- Safe to spend now
- £1,840
- Received so far
- £44,000
- Projected year
- £110,000
You should have ring-fenced
£15,647
Tax and VAT so far
In your pot
£16,247
Ahead by £600
Outstanding
£8,400
- Overdue
- £2,800
- Interest claimable
- £12.62
- Paid this year
- £31,500
- INV-0042 · Northgate Digital£2,80014 days overdue
- INV-0043 · Calder & Finch£3,200Due in 9 days
- INV-0044 · Harbour Systems£2,400Due in 23 days
Take-home pay calculator
Compare your take-home pay under different arrangements
- Daily rate
- £500
- Weekly gross
- £2,500
- Annual gross
- £110,000
Umbrella company
Annual take-home£65,758
Monthly£5,480
Efficiency59.8%
Higher-paying opportunities Updated weekly
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Senior Data Engineer
Financial services · London
£600 to £650 per day
Example listing
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Platform Engineer, SC cleared
Public sector · Hybrid
£650 to £700 per day
Example listing
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Delivery Lead
Retail · Manchester
£550 per day
Example listing
@paylift News
Umbrella company rules changed on 6 April 2026
HMRC can now pursue agencies and some end clients for an umbrella's unpaid PAYE. Here is what to check on your payslip.
Example post
Questions, answered.
How is the HealthScore calculated?
The app scores eight areas of your working life: rate against the market, rate freshness, IR35 clarity, contract runway, CV strength, business structure, tax readiness and records kept. Each is weighted, and the weighted scores combine into one number out of 100.
Why does my score change?
Your score moves when your answers, your records or the market change. The app explains each change, so a drop always comes with the reason and the fix.
Is the demo on this page my real score?
No. It is a quick illustration of how the eight checks combine. Your real score uses live market data and your own information in the app.
Do I need to pay to see my score?
No. HealthScore is free for life on the web and the App Store.
Can I use it without connecting a bank account?
Yes. You can start without a bank connection and add information as you go.
Your score is waiting.
Start in under a minute. Free for life, and no bank connection needed to begin.