How
Milk&Money is a new platform designed to help parents in England navigate the true costs of childcare and working while raising a family. It was founded by a mum who, like many, struggled to figure out whether returning to work was financially viable with two young children. Frustrated by the lack of reliable childcare cost calculators, she set out to create a better solution—one that makes it easier for parents to plan with confidence.
Free
Milk&Money is here to help parents in England understand the real costs of childcare and working while raising a family. Founded by a mum who faced these challenges herself, we aim to take the stress out of decision-making with clear, accessible tools that simplify the system.
We’ll always offer free calculators and guides; no ads, no fluff, just the essentials, clearly explained and easy to use.
Paid Plan - £30 per year
Sometimes, free tools and Google searches don’t go far enough. Our paid subscription unlocks a full suite of advanced calculators designed to help you make smarter financial decisions.
Whether you're trying to work out the costs of returning to work, estimating wraparound childcare costs, or working out your adjusted net income, our tools replace the need for complex spreadsheets and provide clarity you can trust.
Ideal for households with all earners earning under £100k.
Premium Plan - £60 per year
If someone in your household earns over £100,000, you may be facing a tax system that feels anything but fair. Between the loss of Tax-Free Childcare, 15 or 30 funded hours, and the steep 62% marginal tax rate, it’s easy to feel caught out.
Our premium calculators are built for this. They help you model the impact of pay rises, pension contributions, going part-time and more, so you can stay ahead of the curve and make informed choices.
Best for households with one or more earners between £100k–£180k.
Standard Consultation – £125
When things get complicated, we offer personalised support to help you navigate the rules, model your options, and feel confident in your decisions.
For households where all earn under £100k
We’ll cover your childcare entitlements, parental leave options, and the best ways to optimise your income and support. Everything’s tailored to your family setup.
Includes:
- 1-hour video or phone consultation
- Personalised written summary
- 12 months’ access to calculators and tools
High-Income Consultation – £180
For households with one or more earning £100k+
We’ll help you model the impact of income changes, pension contributions, and tax cliffs so you can avoid unintended losses and make the most of what’s available to you.
Includes:
- 1-hour video or phone consultation
- Bespoke modelling report (including ANI, take-home pay, and savings strategies)
- 12 months’ access to calculators and tools
Get in Touch or Make an Account
Although optimal savings are typically achieved through early tax year planning, it's not too late to capitalise on opportunities for this year's funding. Act now to maximise your benefits—every day counts!
Testimonials
“Catherine’s guidance on how a pay rise would impact my free childcare hours was invaluable. She broke everything down clearly, helping me make the best decision for my family and career. Highly recommend!”
- Jessica