🎯 Our Mission
PayKeep was built on a simple idea: everyone deserves to know exactly what they keep after tax — without signing up, without ads, and without confusion.
We believe salary calculations should be transparent, instant, and accurate. Whether you're negotiating a new job offer, planning a pension contribution, or comparing contracting vs PAYE, PayKeep gives you the numbers in seconds.
✅ What Makes PayKeep Different
- Completely free — no subscriptions, no paywalls, no "premium features"
- Privacy-first — all calculations happen in your browser. We never see your salary.
- Shareable — copy a link with your exact inputs and send it to your accountant, partner, or recruiter
- Admin-updatable — when HMRC changes rates, we update instantly (or you can manually adjust thresholds yourself)
- 7 calculator types — PAYE, self-employed, limited company, umbrella, salary sacrifice, bonus, and day rate
- Scottish tax bands — fully supported with all 6 rates
- Student loans — all 5 UK plans with correct thresholds
📊 Data Sources & Accuracy
All calculations use publicly available HMRC tax thresholds for the 2026/27 tax year:
- Personal Allowance: £12,570 (tapered from £100,000)
- Basic Rate: 20% up to £37,700
- Higher Rate: 40% up to £112,570
- Additional Rate: 45% above £112,570
- NI Primary Threshold: £12,570
- NI Upper Earnings Limit: £50,270
- NI rates: 8% (main), 2% (upper)
We validate our calculations against HMRC published figures and independent accounting references. If you spot a discrepancy, let us know — we fix it within 24 hours.
⚠️ Important Disclaimer
PayKeep provides estimated calculations based on standard PAYE assumptions. Your actual take-home pay may differ based on:
- Your specific tax code and any adjustments
- Employer payroll practices and rounding
- Benefits in kind (company car, private medical, etc.)
- Additional income sources
- Voluntary deductions (charity, cycle-to-work, etc.)
For anything financially significant, always verify with HMRC directly or a qualified accountant.