For riders, drivers, shoppers & freelancers on
Same-day earnings, fee-free spending and a credit picture that finally counts your gig work. Two of the tools are free to use right now.
No spam. One email when your account is ready. Try the free tools below first.
For riders, drivers, shoppers & freelancers on
No account, no waitlist, no catch. See your real take-home after tax, and see how a gig-native credit picture would read your income. Everything runs in your browser.
Estimate your Self Assessment bill and what you actually keep. 2025/26 rates, England, Wales & Northern Ireland.
Estimate only, not tax advice. Assumes self-employed sole trader, standard Personal Allowance, no student loan or payments on account. Scotland has different income tax bands.
A credit picture that counts gig income the way high-street scores don't. Move the sliders to see how it reads your work.
Illustrative model to show how gig-native scoring could work. It is not a credit score, not a lending decision, and is not shared with any lender. Your inputs never leave this page.
Tax and score are live now. The rest arrive when your Graft account opens. We will only ever tell you what is real.
Cash out what you earned today from Deliveroo, Uber and Amazon Flex instead of waiting a week for the payout.
Even out a bad week. A small, transparent advance against income you have already proven, with the fee shown up front.
A fee-free Mastercard for spending and getting paid.
Self Assessment worked out as you earn, not in a January panic.
Credit that reads your gig income the way the banks won't.
Join the waitlist and keep using the free tax and score tools while we build the rest. One email when your account is ready.