PAYE tax
Tax code + basis checks, plus prompts for what to confirm if it doesn’t look right.
PAYE • NI • Student Loan • Pensions • What-if salary changes
Your payslip, decoded — fast, clear, and practical.
Check you’re paying the right amount of tax, National Insurance, student loan and pension. Then get a simple “what to ask payroll” checklist.
No account needed
Avoid HMRC call queues
Built by 20+ years payroll experience
Editor’s note
What this tool is for
“Most payslip errors aren’t complex — they’re just easy to miss.”
CheckMyPayslip was built by someone with over 20 years in UK payroll, focused on the mistakes that appear again and again.
You’ll check:
PAYE tax
National Insurance
Student loan + PGL
Pensions + salary sacrifice
Quick payslip check
Enter your details. Results update in real time.
No signup
Privacy-first
What-if mode
“What if my salary changes?”
Use this like a sandbox. Change salary, pension method, or student loan plan and see how deductions respond. Saves time before you call HMRC or wait for payroll.
Pay rise / promotion
Student loan starts / stops
Pension method change
Weekly ↔ monthly changes
Try these quick scenarios
Copy the idea, plug in your numbers, compare outcomes.
Pay rise check
MONTHLY
Increase gross pay and see how PAYE/NI/student loan change. Useful before accepting overtime or a new role.
Pension switch
SAL
SAC / RAS
Salary sacrifice changes taxable pay. Relief-at-source behaves differently. This is where confusion is common.
Student loan begins
PLAN
2
Toggle the plan and see what repayments look like once they start.
More than just a calculator
Built around real payroll mistakes: tax codes, emergency basis, NI categories, student loan plans, and pension basis.
National Insurance
NI category problems are common. We highlight the questions to ask.
Student loans + PGL
Plan changes and PGL toggles make deductions jump — we make the “why” clearer.
Common mistakes
Wrong tax code, emergency basis applied too long, NI category mismatches, pension taken from the wrong figure — we help you spot the pattern and ask the right question.
Tax code not applied
Often shows as consistently higher PAYE than expected.
Emergency basis stuck
W1/M1 can be correct briefly — not forever.
Pension basis wrong
Contributions taken from the wrong earnings figure can skew take-home.
FAQs
Do I need to create an account?
No. You can run a quick check without signing up.
What if my results are different?
You’ll get a “what to ask payroll” checklist so you can confirm tax code, NI category, student loan plan and pension basis.