About PayslipIQ

Why We Built This

PayslipIQ started with a simple frustration: a payslip that didn't look right, and no easy way to check it. After changing jobs, the tax code was wrong for three months: resulting in over £400 overpaid. HMRC eventually refunded it, but only after hours on hold and weeks of waiting.

That experience made one thing clear: millions of UK workers receive a payslip every month but have no quick, private way to verify whether their deductions are correct. Tax code errors are common: HMRC's own published reports acknowledge that incorrect codes affect a meaningful share of taxpayers each year, particularly around job changes, benefit changes, and end-of-year reconciliations.

PayslipIQ exists to fix that gap. Upload a photo of your payslip, and within around 30 seconds you'll know whether your tax, NI, pension, and student loan deductions look right: or whether something needs investigating. We also publish decoders for every common HMRC document (P60, P45, P800, P2 coding notice, CIS statements, BR19 pension forecasts), so you can cross-check anything you've received.

How It Works

You upload a photo of your payslip (or use manual entry if you prefer). Our AI reads every figure from the image, then cross-references your tax code, income tax, National Insurance, pension contributions, student loan, and any other deductions against the correct HMRC 2026/27 rates for your pay frequency. If anything looks wrong, we flag it and explain exactly what to do next.

Image handling is privacy-led:

• EXIF metadata is stripped before upload (in your browser).
• The image is processed in memory only on our servers: never written to disk, never put in a database.
• Analysis is performed by Anthropic Claude, our AI sub-processor. Anthropic does not use API inputs to train models and under standard commercial terms may retain inputs for up to 30 days for trust-and-safety review.
• We do not retain payslip contents after returning your result.

Full disclosure on sub-processors, retention windows, and security posture is on our Trust Centre.

Editorial Standards

Every guide and decoder page on PayslipIQ is written to be useful, accurate, and traceable. Our methodology is aligned with HMRC published guidance for the UK and Revenue.ie published guidance for Ireland. We:

• Use HMRC's official published rates and thresholds (currently 2026/27) as the source of truth.
• Cite primary sources (gov.uk, HMRC manuals, ONS, FCA) where claims could otherwise be unverifiable.
• Disclose any commercial relationships in our Advertising and Disclosure Policy.
• Recommend free, independent help (Citizens Advice, StepChange, MoneyHelper, TaxAid, Tax Help for Older People) before any paid product.
• Update the site whenever HMRC changes rates, thresholds, or coding rules.

We are not regulated tax advisers. PayslipIQ is an educational tool. For complex personal cases: multiple employments, share schemes, redundancy, partnerships, VAT, or anything where money has materially gone wrong: please consult a qualified accountant or contact HMRC directly on 0300 200 3300.