Built for independent professionals.
Locums, consultants, interims and specialists who sell their expertise. HealthScore helps you price your time, structure your income and plan the gaps.
Free for life. No bank connection needed to start.
A professional's snapshot
- Rate against the market
- Around
- Structure
- Not compared this year
- Tax readiness
- Some set aside
- Runway
- 4 months
+7Biggest lift: compare your take-home across structures
Example profile
The independent professional's blind spots
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Pricing without a benchmark
Without a view of what comparable people are charging, a rate is a guess. Market data turns it into a conversation you can have with evidence.
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Structure that no longer fits
What worked in your first year may not suit your income now. Umbrella, limited company and sole trader leave you with different amounts at different rates.
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The jolt of leaving PAYE
After years of tax taken at source, nobody sets money aside for you. A first self assessment bill is a common shock.
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Side income that grows quietly
Income alongside a job still brings records, tax and sometimes registration. It helps to start tidy before it becomes large.
What HealthScore does about it
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A negotiation tool for rates
Go into a rate conversation with the market for your role and region in front of you.
How the score works -
A structure check
Compare take-home across routes as your income changes, and see when a different set-up could suit you better.
Umbrella vs limited company -
Contract runway
Track the months of work secured so a gap is something you plan for, not something that happens to you.
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A community that does this too
News and questions from people in your sector, filtered by profession.
See the gap before it arrives.
Runway is one of the eight checks. This example shows eight months with two months of work booked and a gap that is easy to miss until it is close.
Example. Each bar is a month of paid work secured. The empty months are the ones to fix first.
Guides to read next
- Going freelance: the money checklist A practical UK checklist for the first months of freelancing or contracting: registration, tax, records, insurance, invoicing and cash buffer. 5 minute read
- Umbrella or limited company in 2026/27? How take-home compares between an umbrella company and a limited company at three day rates, inside and outside IR35, using 2026/27 UK rates. 6 minute read
- How to review your day rate, and when Your day rate is often set by a job advert months before you start. A practical way to check it against the market and raise it at renewal. 5 minute read
- How much tax should a contractor or freelancer set aside? A practical way to ring-fence tax from every payment, with 2026/27 rates, key payment dates and what changes by umbrella, limited company or sole trader. 6 minute read
Questions, answered.
Who counts as a professional here?
Locums, consultants, interim managers and specialists who sell their expertise independently, plus people moving from salaried work into contracting or building income alongside a job.
I have a job and a side business. Does it still apply?
Yes. Records, tax readiness and structure matter just as much for side income, and are often where people get caught out first.
Can it help me set a rate?
It compares your rate with the market for your role and region, and includes a negotiation tool so you go into the conversation with evidence.
Is it only for IT roles?
No. The community and market sections cover IT, healthcare, finance, engineering, legal, marketing, construction and more.
Your score is waiting.
Start in under a minute. Free for life, and no bank connection needed to begin.