Using the Calculator

Updated 17 October 2026. Operator: ELENOVO HOLDINGS LTD. Contact: hello@payfigured.co.uk.

Use the figures as planning estimates, not as an exact payslip or a tax return.

Free Public Beta

The calculator and printable results are free. No subscription, paid advice, account or payment is required. Advertising is the intended source of funding, but ads are not active in this version.

What the Figures Mean

Income Tax is estimated as an annual liability. National Insurance and loan repayments are worked out by monthly pay period and added across the year. Monthly outputs are rounded annual averages. A payroll system can deduct different amounts because of tax codes, cumulative calculations or facts this tool does not model.

One employment for the full year, 12 regular monthly pay periods, Category A employee National Insurance and employment income only. Choose no pension, the auto-enrolment preset on qualifying earnings, or custom percentages on full reference salary. Pension tax treatment can be net pay or salary sacrifice. Figures exclude bonuses, irregular pay, other income, benefits, custom tax codes, relief-at-source pensions, childcare, pension tax charges and loan payoff timing. Auto-enrolment eligibility is not assessed.

Pension value is not spendable cash. The tool does not assess affordability, pension contribution limits, minimum-wage eligibility for salary sacrifice or suitability. Loan deductions assume collection throughout the year with sufficient balance.

Checks and Corrections

We use published official rates and automated tests. The beta has not been independently professionally certified. Errors may occur and rates or rules may change. Check a material decision against your employer’s scheme, payroll information and appropriate professional guidance. Report issues through the contact page.

Availability and External Links

The tool may change or be temporarily unavailable. Official-source links lead to other organisations’ sites and policies. Do not use automated traffic to manipulate future advertising, and never click ads to support the operator.

Your Rights

These explanations describe the service and its limits. They do not exclude rights or liabilities that cannot legally be excluded. See privacy information for the current data handling.

PayFigured is operated by ELENOVO HOLDINGS LTD, registered in England and Wales. Company number: 16703117. Registered office: 3rd Floor, 86-90 Paul Street, London, EC2A 4NE, United Kingdom. Contact: hello@payfigured.co.uk.