Cost Wise

Cost Wise helps NHS colleagues understand staffing costs, finance concepts and the financial implications of operational decisions. Explore Agenda for Change and medical staffing costs using the pay scales and assumptions held in the app. Calculate individual roles or whole teams, compare skill mixes, and plan maternity cover. Review clear breakdowns of basic pay, employer National Insurance, pension and relevant options. Ask Cost Wise in everyday language: cost a top Band 5, a consultant at 10 PAs, a part-time role or a mixed team. Numerical answers come from the same deterministic calculations used by the calculators. Optional educational explanations use Apple’s on-device Foundation Models on supported devices; core costing queries work without Apple Intelligence. Save named, dated costings on your device and recall them later. Export formatted Excel workbooks with inputs and result breakdowns, or share useful summaries. Learn finance essentials and inspect the reference material and assumptions behind your results. Free to use. No registration, subscription or API key. No advertising or tracking. Calculator inputs and saved costings stay on your device unless you choose to share or export them. Designed for iPhone and iPad, with Dark Mode, Dynamic Type and native navigation. Cost Wise is an independent educational and decision-support resource developed by Rikki Siddle, not an official NHS application. Outputs are indicative and depend on the stored rates and assumptions, which are not automatically updated. Check these before use and follow your organisation’s finance, governance and approval processes for formal decisions.