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Payslip Checker — every deduction verified against 2026/27 rates

Upload your payslip. We check tax code, NI, pension and student loan against 2026/27 rates — free, no signup, image not stored.

Check my payslip free →Type figures in instead
Photo or screenshotYour image isn't stored by PayslipIQResults in 30 secondsNo HMRC login needed
Private upload
No employer notified
No HMRC login needed
No image stored by PayslipIQEducational guidance only
Privacy first: Your image is processed in memory on our servers and is not stored or logged by PayslipIQ. Analysis is performed by Anthropic Claude (our AI provider). Anthropic does not use API inputs to train models, but may retain inputs for up to 30 days for safety review. EXIF metadata is stripped before upload. For extra peace of mind, cover your name and NI number: we only need the figures.

Prefer to type the numbers? Use manual entry →

How the payslip checker works

Three steps, about 30 seconds, nothing to install and nothing to sign up for.

1

Upload your payslip

Photo or screenshot — JPEG, PNG or WebP. EXIF metadata is stripped in your browser before anything is sent.

2

We check every line

The AI reads each figure and cross-checks tax code, PAYE, NI, pension and student loan against HMRC 2026/27 rules.

3

Get a plain-English verdict

Each deduction is marked correct, worth checking or potentially wrong — with what to do next if something is off.

What the checker looks at

Every figure on your payslip, cross-checked against HMRC 2026/27 rates and thresholds.

Tax code

Is 1257L right for you, or are you stuck on BR, 0T, W1/M1 or an emergency code that is over-taxing every payday?

Income Tax (PAYE)

Your PAYE deduction recomputed against the 2026/27 bands — including Scottish rates where your code says they apply.

National Insurance

Class 1 employee NI checked against the 8% and 2% bands, with the period-by-period method payroll actually uses.

Pension deductions

Auto-enrolment minimums, salary sacrifice and net-pay vs relief-at-source schemes — and whether the maths adds up.

Student loan

Plan 1, 2, 4, 5 and postgraduate loan deductions checked against the correct threshold for your plan.

Take-home & year-to-date

Net pay reconciled line by line, and YTD figures sanity-checked so mid-year errors do not compound quietly.

Payslip checks by job

Pay frameworks, allowances and pension schemes differ by sector, so what a correct payslip looks like depends on your job. Pick your sector and role for a plain-English guide to that payslip, then upload yours to check it.

Browse all 395 jobs by sectorPayslip checks by UK cityPayroll schemes: CIS, troncs, umbrella pay

Check one specific problem

If you already know which line looks wrong, these checkers go straight to it.

Pay scales by sector

The full 2026/27 pay tables for the armed forces and the public sector, to check your basic pay against the published scale.

All payslip and pay scale guides

Payslip checker questions

01Is the payslip checker free?

Yes. Uploading and checking a payslip is free: no signup, no card, no account. Fair use applies: a small number of checks per IP per hour, and a global daily AI ceiling if the service is busy. See Terms.

02What does the payslip checker actually check?

It reads your payslip and verifies the tax code, PAYE income tax, National Insurance, workplace pension and student loan deductions against HMRC 2026/27 rates and thresholds, then reconciles your net pay. Anything that does not add up is flagged in plain English.

03Is my payslip photo stored?

No. Your image is not stored by PayslipIQ. EXIF metadata is stripped in your browser before upload, and the file is used only to run your check. Our AI partner may hold it transiently for safety review and is contractually barred from training on it.

04Can it tell me if my tax code is wrong?

It flags tax codes that look wrong for your situation — emergency codes (W1/M1), BR or 0T on a main job, or a code that does not match your deductions. It is educational guidance, not advice, so confirm any change with HMRC or your payroll team before acting.

05Do I have to upload a photo, or can I type my figures in?

Either works. Upload a photo or screenshot here for the fastest check, or use the manual checker to type in your gross pay, tax code and deductions if you would rather not upload anything.