UK professionals with complex compensation — salary, RSUs, pension sacrifice, student loans — often don't know what they actually keep. PayFluency shows you clearly, and helps you understand why.
Try the calculator free →No account needed. No data stored. Built by an ACA-qualified accountant.
ACA-qualified
Built by a chartered accountant with Big Four experience.
Verified calculations
2026/27 UK tax rates, tested against HMRC thresholds.
No financial advice
We show you the picture. You make the decisions.
I've just received a job offer with RSUs. I don't know what I'll actually keep.
PayFluency models your full package — base salary, vesting schedule, sign-on bonus, pension and student loans — and shows you the real number, year by year.
Model your offer →I want to understand my current pay and whether I'm making the most of it.
See exactly where your money goes, which thresholds affect you, and what levers you have available to improve your position.
Understand your pay →True take-home pay
Income tax, NI, pension and student loan — all in one number.
RSU net value
See what your share awards are actually worth after deductions.
Tax threshold clarity
Understand the 60% trap and Personal Allowance taper before they hit.
Learn
Plain-English explanations of income tax bands, National Insurance, pension sacrifice, student loan plans and RSU taxation.
Read the guide →