UK Salary Calc

New: scan your payslip or P60 and we'll check it, find the pension sacrifice to beat the 60% trap, and work out the salary you need for any take-home.

Salary Calc works out your real UK take-home pay — and, unlike most calculators, it can read your payslip to do it.

Open the app and there's one input: your salary. A live take-home figure sits underneath it, per year with the monthly equivalent, updating as you type or drag the slider. Everything else that changes the number is something you add only when it applies to you. No checkboxes to un-tick, no fields you have to know to ignore.

Scan your payslip Point your camera at a payslip, or pick a photo from your library, and the app reads it on device — your basic pay, tax code, and pension contribution, with salary sacrifice detected from the wording. You confirm what it found before anything is applied. Nothing is ever uploaded.

Built around salary sacrifice Pension can be modelled as salary sacrifice or relief at source. Benefits — car, medical, gym — can be sacrifice or a net deduction, each with a "true cost to you" figure showing what it really costs after tax. The £100k personal-allowance taper, the "60% trap", is modelled exactly.

Add only what you need Pension, bonus or commission, benefits, student loan (Plans 1, 2, 4, 5 and the Postgraduate Loan), tax code and year. Drivers are removable, and their values are kept underneath — re-add one and it's all still there.

Accurate where it counts Numeric, flat-rate, no-tax and negative-allowance K tax codes. M1/W1 non-cumulative handling. National Insurance across all bands. Tax years from 2023/24 to 2026/27. Switch between annual and monthly views, pick the month, and fold a bonus into it with the correct cumulative maths.

Compare scenarios Save profiles — current job, new offer, more pension — and switch between them. Or freeze your current position as a baseline and watch how a change to salary, pension or benefits moves your take-home, PAYE, NI and pension, line by line.

Private by design Every calculation and every payslip scan happens on your device. No payslip image, salary, or input is ever uploaded. The only network request is the optional list of other Indy.inc apps, which sends nothing about you.

Salary Calc Pro Unlock the Insights tools with a one-time £2.99 purchase (7-day free trial): a Payslip & P60 checker that flags a wrong tax code, mis-paid tax or NI, or a refund you may be owed; a salary-sacrifice optimiser to escape the 60% trap or keep child benefit; a target take-home solver; and year-to-date tracking. The whole calculator and every driver stay free.

Salary Calc is independent and not affiliated with HMRC or any government body. All figures are estimates for illustration only and are not financial, tax, or legal advice. Always check your own payslip and consult a qualified adviser before making decisions.