KEEP - UK Salary Calculator

KEEP shows what you actually take home each month after Income Tax, National Insurance, student loan and pension. Built on UK 2026/27 tax rules. Nothing leaves your phone.

WHAT KEEP DOES

Type your salary. KEEP shows your real monthly take home pay, broken down properly. You see what HMRC takes, what your student loan plan deducts, what goes to your pension, and what hits your bank account.

Adjust pension contribution, student loan plan, tax code and personal allowance. KEEP recalculates as you go.

WHO KEEP IS FOR

UK employees who want to see where their salary actually goes.

Contractors and consultants checking whether a day rate works after tax.

Limited company directors paying themselves through salary plus dividends. KEEP includes a Director mode that handles the optimal split, with the right 8.75 percent basic, 33.75 percent higher and 39.35 percent additional dividend rates for 2026/27.

Anyone curious about the 60 percent marginal rate trap between 100,000 and 125,140 pounds, where the personal allowance tapers away.

WHAT MAKES KEEP DIFFERENT

Director mode. Most calculators ignore directors completely. KEEP models a director paying themselves a salary up to the National Insurance starting point then taking the rest as dividends, with the right rates for 2026/27.

The 60 percent trap. KEEP shows the marginal rate jump in plain English so you can plan a pension contribution or salary sacrifice that pulls you out of the trap.

Pension tax relief. KEEP works out the relief at source position and the higher rate top up you need to claim through Self Assessment.

Student loan plans. All five plans modelled. Plan 1, Plan 2, Plan 4, Plan 5 and postgraduate.

PRIVACY

KEEP runs entirely on your phone. Nothing is sent to any server. No account. No tracking. No analytics. Close the app and reopen it, your last entry is still there because it lives in your phone's local storage. Delete the app and the data is gone.

This matters when you are typing your real salary into something. KEEP was built so the answer to "where does my number go" is "nowhere."

ABOUT THE BUILDER

KEEP is built by AI Finance Partners, a UK limited company run by Andrew Isaacs, CIMA Chartered Management Accountant and Member in Practice. AI Finance Partners provides outsourced finance director services to UK SMEs. More at aifinancepartners.co.uk. Privacy policy at aifinancepartners.co.uk/privacy.

PAIRS WELL WITH

FORM, our sole trader versus limited company decision tool, also free, also coming to Play Store shortly.

The Friday Five, one useful UK business email every Friday, at theaifd.co.uk.

NOTE

KEEP is a calculator. It is not personal tax advice. The numbers track the published 2026/27 UK tax rules but every situation has nuance, and a chartered accountant should review anything you act on.