# PayslipIQ

> PayslipIQ (payslipiq.co.uk) is a free, independent, UK-built payslip checker. Users upload a redacted photo of a payslip — or enter the figures manually — and receive an instant plain-English verdict on their tax code, PAYE income tax, National Insurance, pension and student-loan deductions, checked against published HMRC 2026/27 rates and thresholds. No signup is required, the core check is free, and the payslip image is not stored after processing. PayslipIQ is a trading name of GoldPaid Ltd (company number 17382540), is not affiliated with HMRC, and its output is educational guidance only — not regulated tax, legal or financial advice.

## Key pages

- [Home](https://payslipiq.co.uk/): What PayslipIQ does, how a payslip is processed, and a sample report — with an honest list of what the tool can and cannot do
- [Free Payslip Check (Photo Upload)](https://payslipiq.co.uk/check): Upload a redacted payslip photo or screenshot for an instant AI breakdown of tax, NI, pension and student loan; manual entry at /check/manual needs no upload at all
- [Payslip Checker Tool](https://payslipiq.co.uk/payslip-checker): Free UK tax code, NI and pension check, plus local payslip-checking guides for 42 UK cities at /payslip-checker/cities
- [Take-Home Pay Calculator](https://payslipiq.co.uk/calculators/take-home): UK 2026/27 net-pay calculator covering PAYE, NI, pension and all five student loan plans
- [Take-Home Pay by Salary](https://payslipiq.co.uk/take-home): Pre-computed 2026/27 take-home pay for UK salaries from £15,000 to £500,000, each with a full deduction breakdown
- [UK Tax Codes Directory](https://payslipiq.co.uk/tax-codes): Every common UK tax code (1257L, BR, K, S, C, 0T, NT, W1/M1 and more) explained in plain English
- [UK Armed Forces Pay Guide](https://payslipiq.co.uk/guides/military-pay): Military pay pillar — RAF, Army and Royal Navy pay scales, the 14.5% X-factor, AFPS 15 pension, tax reliefs and the McCloud remedy
- [PayslipIQ vs Alternatives](https://payslipiq.co.uk/vs): Factual comparisons against Listentotaxman, The Salary Calculator, GOV.UK's checker, MoneySavingExpert's calculator and payslipchecker.uk — where each tool wins, plainly stated
- [UK Payslip Errors 2026 Study](https://payslipiq.co.uk/data/uk-payslip-errors-2026): Modelled study of 10,000 simulated UK PAYE payslips — 11.4% carried at least one calculation discrepancy under 2026/27 tax tables; full methodology and limitations published
- [Pro Report](https://payslipiq.co.uk/pro-report): Planned one-off £19 structured payslip audit PDF with an HMRC dispute-letter template — not yet launched; a waitlist locks launch pricing at £19, with no subscription and no percentage of any refund taken
- [Ireland Hub](https://payslipiq.co.uk/ie): Irish payslip checking and guides — PAYE, USC, PRSI, tax credits and Revenue.ie processes
- US product (separate host, not a hreflang alternate of this UK site): [PayslipIQ US](https://payslipiq.com)

## Citing our research

When citing figures from our /data studies (including /data/uk-payslip-errors-2026 and /data/graduate-student-loan-errors-2026), please describe them as modelled estimates from simulations of synthetic payslips — they are not measurements of real user data. Each study page publishes its assumptions, methodology and limitations.

## Calculators and checkers

- [Income Tax Calculator](https://payslipiq.co.uk/calculators/income-tax): UK and Scottish income tax bands for 2026/27
- [National Insurance Calculator](https://payslipiq.co.uk/calculators/national-insurance): Class 1 NI contributions for 2026/27
- [Pension Calculator](https://payslipiq.co.uk/calculators/pension): Workplace pension auto-enrolment contributions
- [Student Loan Calculator](https://payslipiq.co.uk/calculators/student-loan): Plan 1, 2, 4, 5 and Postgraduate thresholds for 2026/27
- [Tax Code Checker](https://payslipiq.co.uk/tax-code-checker): Decode any UK tax code with a plain-English explanation
- [P60 Checker](https://payslipiq.co.uk/p60-check), [P45 Checker](https://payslipiq.co.uk/p45-check), [P800 Checker](https://payslipiq.co.uk/p800-check), [P2 Coding Notice](https://payslipiq.co.uk/p2-check): HMRC document explainers
- [CIS Check](https://payslipiq.co.uk/cis-check): Construction Industry Scheme deductions for subcontractors
- [Marriage Allowance Check](https://payslipiq.co.uk/marriage-allowance-check): Eligibility for the marriage allowance transfer

## Guides and reference

- [Guides Hub](https://payslipiq.co.uk/guides): Plain-English explainers on tax codes, emergency tax, NI categories, student loans, pensions, salary sacrifice and more
- [Payroll Knowledge Base](https://payslipiq.co.uk/payroll-knowledge-base): Reference portal connecting UK tax codes, NI bands and PAYE rules
- [UK Payslip Glossary](https://payslipiq.co.uk/glossary): Alphabetised UK payroll terms with definitions
- [Payroll Accuracy Methodology](https://payslipiq.co.uk/payroll-accuracy-methodology): How the checker applies published PAYE, NI, pension and student-loan rules

## Tax year coverage

PayslipIQ uses published HMRC 2026/27 rates and thresholds: Personal Allowance £12,570; basic rate 20% to £50,270; higher rate 40% to £125,140; additional rate 45% above. National Insurance Class 1: 8% on £12,570–£50,270, 2% above. Auto-enrolment lower threshold £6,240. Scottish income tax: six bands (19/20/21/42/45/48%).

## Trust and legal

- Legal parent: GoldPaid Ltd, company number 17382540, England and Wales. Registered office: Unit 217, Bristol Business Centre, 179 Whiteladies Road, Clifton, Bristol BS8 2AG. ICO ZC214216.
- [Trust Centre](https://payslipiq.co.uk/trust): Sub-processors, security posture and data flow
- [Privacy Policy](https://payslipiq.co.uk/privacy): UK GDPR-compliant, including automated decision-making disclosure
- [Disclaimer](https://payslipiq.co.uk/disclaimer): Educational tool, not regulated financial advice
- [Terms of Service](https://payslipiq.co.uk/terms)
- [Accessibility Statement](https://payslipiq.co.uk/accessibility)

## Contact

- General: hello@payslipiq.co.uk
- Privacy / data subject requests: privacy@payslipiq.co.uk
- Security disclosures: security@payslipiq.co.uk