Overtaxed: Salary Calculator

Earning over £50,000? You're almost certainly overtaxed. This app finds out by how much — and shows you exactly how to fix it using salary sacrifice, pension contributions, and benefit optimisation.

Most tax calculators show you what you owe. Overtaxed shows you what you're losing.

Enter your salary, pension contributions, bonus, side hustle income, and living expenses — then watch the engine scan thousands of scenarios to find your optimal salary sacrifice strategy while protecting your cash flow.

WHAT MAKES THIS DIFFERENT

See how much tax you actually pay on your bonus before it hits your bank account. Find out if you're caught in the 60% tax trap between £100,000 and £125,140. Calculate whether sacrificing salary into your pension would save you thousands in lost Child Benefit.

The app identifies the UK's most damaging tax traps:

• The Personal Allowance withdrawal zone (£100k–£125,140) where you lose 60p of every extra £1 earned • The High Income Child Benefit Charge above £60,000 • The childcare eligibility cliff at £100k where a £1 pay rise can cost you £5,000 in lost support • The pension annual allowance taper for high earners above £260,000

YOUR FULL UK TAX TOOLKIT

Salary & Tax Calculator — Accurate 2026/27 income tax, National Insurance, and student loan calculations for England, Wales, Northern Ireland and Scotland.

Interactive Payslip — See exactly where every pound goes, with a chart showing how many pence you keep from each extra pound earned across every tax band.

Pension Sacrifice Simulator — The optimisation engine tests micro-adjustments to your pension contributions, finding the exact amount that maximises your total wealth while keeping you above your monthly living costs.

Bonus Impact Analysis — Enter any bonus amount and see the true tax hit. Simulate sacrificing part of your bonus into your pension to bypass the 60% trap or restore lost Child Benefit.

Tax Trap Detector — 9 detailed knowledge cards covering the Personal Allowance trap, HICBC, the pension taper, RSU phantom income, the MPAA limit, carry forward strategies, and more.

Tax Relief Guide — 7 cards explaining pensions, ISAs, EIS/SEIS/VCT schemes, Marriage Allowance, Gift Aid, property allowances, and savings exemptions.

If your salary is between £50,000 and £250,000, you are statistically the most overtaxed group in the country. The tax system creates invisible friction zones where earning more can leave you worse off. This app was designed specifically to navigate those zones.

The simulator protects a 4-month cash buffer based on your real living expenses, so it never recommends a sacrifice that would leave you short.

COVERS ALL UK TAX SCENARIOS

PAYE salary and side hustle income. Scottish 6-band tax rates. All student loan plans (Plan 1, 2, 4, 5, Postgraduate). Salary sacrifice pensions. Employer pension matching. Electric vehicle salary sacrifice with BIK calculation.

PRIVATE AND SECURE All calculations happen locally on your device. Your salary data, tax code, and financial information are never transmitted to any server. No account required. No tracking. Full GDPR compliance. Biometric lock protects your data.

Built for the 2026/27 UK tax year. Updated with the latest HMRC rates and thresholds.

Subscriptions & Terms: Overtaxed: Salary Calculator offers an auto-renewing "Annual Tax Pro" subscription at £1.99/year. Payment will be charged to your Apple ID account at the confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase.

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