TaxPilotFree
Compare pay and pension
Explore the £100k tax trap. Compare monthly salary sacrifice, bonus sacrifice and SIPP contributions with the full Sacrifice vs Pay Analysis.
Compare your optionsA clearer view of your money
Make tax less complicated.
Find ways to save more.
See where you could save on tax and childcare, and what salary sacrifice could mean for your take-home pay. Compare the options and understand the trade-offs before you decide.
Free to use. No account or card needed.
YOUR MONEY, CONNECTEDStart here
What will I take home?
Your pay after tax, National Insurance and pension.
Could salary sacrifice save me money?
Explore pension, car and cycle schemes and see the trade-offs.
What about childcare?
Bring nursery costs and funding into the same decision.
TRY YOUR NUMBERS
Start with a simple comparison.
Change the example below. See the difference between keeping more pay and putting more into your pension.
Live salary sacrifice calculatorExample figures · editable
Loading your savings preview…
Income tax: England, Wales and Northern Ireland. Funded nursery hours: England. Check coverage and assumptions. 2025/26 to 2029/30; 2027/28 onwards provisional
NO TAX KNOWLEDGE REQUIRED
A little information.
A much clearer picture.
You don’t have to fill in everything at once. Start with your pay, then add the details that matter to you.
- 01
Start with your pay
Enter your salary and pension from your payslip. Add a bonus if you receive one.
- 02
Understand the difference
See take-home pay and compare pension options. We show the cash cost as well as the tax saving.
- 03
Make the plan your own
Add childcare and other income. Use Pro when you need household scenarios or more detailed planning.
Prefer to watch? See the 2-minute walkthrough
ROOM FOR THE DETAILS
Simple to start.
Thorough when you need it.
One connected set of tools, from your next payslip to your family’s longer-term plans.
Free + Pro
See each month’s pay
Your current monthly breakdown is free. With Pro, apply your chosen strategy across the dashboard and see the effect on each payslip.
Explore your dashboardFree tool
Make sense of nursery costs
Estimate fees, funded hours and Tax-Free Childcare. See when support starts and sync your nursery costs with the tax dashboard.
Calculate nursery feesPro
Check pension headroom
Plan around Annual Allowance, tapering, MPAA and unused allowance carried forward. Check the details before increasing your contributions.
See what Pro includesPro
Look at the whole household
Compare partner working patterns, income after childcare, multiple jobs, RSUs and other moving parts in your financial life.
Explore household planningFree + Pro
Plan beyond this tax year
Explore 2025/26 to 2029/30, with provisional years clearly marked. Open the AI assistant when you want help understanding the numbers.
View rates and assumptionsEARLY COMMUNITY FEEDBACK
Clarity makes
a difference.
Feedback from people trying TaxPilot on Reddit.
“This is amazing! Thank you so much, it’s made it super clear how much do I need to add to SIPP to qualify for childcare support AND be better off.”
Start free. Go deeper with Pro.
Your take-home calculation and pension comparison are free. Add Pro for detailed payslip, pension allowance and household planning.
Free
Make your first decision with confidence.
£0
Free forever. No credit card required.
THE DECISION IS INCLUDED
- £100k Tax Trap Decision
See the trade-off between take-home pay, pension contributions and childcare costs.
- Sacrifice vs Pay Analysis
Compare monthly sacrifice and custom salary, bonus or SIPP strategies in the full dashboard.
- Tax, NI and monthly take-home
Understand your current position with a month-by-month breakdown.
- Every supported tax year
Explore future years with provisional assumptions clearly marked.
- AI Tax Advisor
Ask about your numbers with a limited monthly allowance.
Pro
For the moving parts of real life.
£69/ year
One payment. No automatic renewal.
EVERYTHING IN FREE, PLUS
- Optimised dashboard & payslips
See your chosen strategy across the dashboard and each month's take-home pay.
- Partner & household scenarios
Compare partner working patterns and household income after childcare.
- Pension allowance planning
Track Annual Allowance, tapering, MPAA and unused allowance carried forward.
- Complex income & job changes
Model multiple jobs, RSU vestings, backdated pay rises, cash allowances and rental income.
- More control over your payslip
Account for mid-year pension rate changes, holiday trading and tax code overrides.
- 10× the monthly AI allowance
Explore more questions and scenarios. Usage limits apply.
365 days of Pro access from purchase.
A new job. A different bonus. A change in childcare.
Pro helps you test the details before you make a change. Compare household options, check pension allowance headroom and see the effect on each payslip — in one place.
Do I need to understand tax first?
No. Start with your annual salary and pension contribution. The dashboard explains the main numbers, and you can add other details as you go. You can also open the AI Tax Assistant for help understanding your results; sign-in and usage limits apply.
Is it free, and do I need an account?
You can calculate take-home pay and compare salary sacrifice for free, without an account or credit card. Sign in to use the AI assistant or buy Pro. Your calculator inputs are saved in this browser.
What's the difference between free and Pro?
Free includes the £100k Tax Trap Decision, full Sacrifice vs Pay Analysis, current monthly take-home breakdown and every supported tax year. Pro adds the Optimised dashboard view, partner and household scenarios, pension allowance planning, complex income inputs and 10× the monthly AI allowance. Both plans have AI usage limits.
Is my data safe?
Tax calculations run in your browser and your calculator inputs are saved locally on this device. If you use the AI Tax Advisor, your question and dashboard context are sent to the AI service to generate a response. Sign-in and payments use Supabase and Stripe.
Which parts of the UK does it cover?
Income tax calculations use England, Wales and Northern Ireland rates. Scottish income tax is not currently modelled. Funded nursery hours use England’s rules. TaxPilot focuses on employment income and related planning; it is not a Self Assessment filing service.
What tax years are supported?
The calculator supports 2025/26, 2026/27, 2027/28, 2028/29 and 2029/30. Figures for 2027/28 onwards are provisional planning estimates using announced rules and explicit assumptions for rates not yet published.
Is this regulated financial advice?
No. TaxPilot is an informational tool that helps you understand your tax position. We recommend consulting a qualified tax advisor or IFA before making significant financial decisions.
YOUR NEXT STEP
Get a clearer picture.
Then make your decision.
Start free. Add detail when you’re ready.