SaveYourPay is an informational calculator. It is NOT financial, tax, or investment advice.

Calculation accuracy

Outputs are indicative only and rounded. HMRC's PAYE tables use slightly different rounding conventions; expect £1–£3/period rounding differences vs. real payslips. Calculations assume rUK or Scottish tax bands as selected, employment income via PAYE, and a single employer. The calculator does not handle self-employment, multiple employments, mid-year tax-code changes, or the Money Purchase Annual Allowance.

Affiliate disclosures

If/when SaveYourPay recommends or links to financial products (EV salary-sacrifice schemes, EIS/SEIS funds, pension providers, IFAs), these links may earn commission. The commission does not affect the price you pay, and we only recommend products we believe are credible. Affiliate links are tagged rel="sponsored" as required by Google and the ASA.

Investment risk warnings

EIS, SEIS, and VCT investments are high-risk. Capital is at risk, and you may lose the entire amount invested. Loss relief mitigates but does not eliminate this. Such investments are illiquid (typically 5–10+ year hold), and tax reliefs depend on the company maintaining qualifying conditions for at least 3 years. Past performance is not indicative of future results.

Verify with a qualified professional

Always consult a qualified accountant, financial adviser, or tax adviser before making decisions based on SaveYourPay's outputs. We accept no liability for losses arising from use of this tool.