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. 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.