Salary and tax,
made understandable.
Short, practical guides for the questions behind your payslip.
How UK Income Tax works
Allowances, bands and worked salary examples.
Tax codesUnderstand your tax code
What common codes mean and where to find yours.
National InsuranceEmployee NI made clear
The main thresholds, rates and payslip deductions.
PensionsSalary sacrifice explained
Why it changes tax, National Insurance and take-home.
Student loansRepayment plans compared
Plans 1, 2, 4 and 5, plus postgraduate loans.
Higher earnersThe £100k tax trap
How the Personal Allowance taper creates a hidden rate.
Part-time workPro-rata salary explained
FTE percentages, paid weeks and term-time contracts.
MethodologyHow Actual Salary works
Calculator assumptions, methods and official sources.