Don't take our word for it — tap it yourself.

Brings £326.50 forward to day 18; the same money leaves payday. Only the flat fee is a real cost.

Draw 50% of what's available on day 18

Take-home drops by £109.23 a cycle, but £1,338.15 is yours in 12 months at 4.5% AER.

5% of net each payday

£18.35 a cycle buys £1,310.77 a month if you can't work, after 4 weeks.

Standard cover, 4-week wait

Contributing £109.20 more a cycle unlocks the full 8% employer match — roughly £3,936.48 of value a year.

Raise pension to the 8% match