Overtaxed: Salary Calculator on Windows Pc

Overtaxed is the UK tax calculator that goes beyond the numbers. Most tax calculators show you what you owe — this one shows you what you're losing, finds hidden tax traps in your salary, and builds a strategy to keep more of your money using pension sacrifice and smart optimisation.

Are you caught in the 60% tax trap? Losing Child Benefit you're entitled to? Paying thousands more than you need to because your income sits just above a cliff edge? Overtaxed finds these problems automatically and shows you exactly how to fix them.

WHAT MAKES THIS DIFFERENT FROM EVERY OTHER UK TAX CALCULATOR

Most salary calculators give you a single number: your take-home pay. Overtaxed gives you a complete financial simulation. Enter your salary, pension contributions, bonus, side hustle income, and living expenses — then watch the optimisation engine scan thousands of scenarios to find your ideal salary sacrifice strategy while protecting your cash flow.

The app identifies the UK's most damaging tax traps, including the Personal Allowance withdrawal zone between £100,000 and £125,140, the High Income Child Benefit Charge above £60,000, the childcare eligibility cliff at £100k, and the pension annual allowance taper for high earners.

YOUR FULL UK TAX TOOLKIT

• Salary & Tax Calculator — Accurate 2026/27 income tax, National Insurance, and student loan calculations for England, Wales, Northern Ireland and Scotland

• Interactive Payslip — See exactly where every pound of your salary goes, with a friction analysis showing how many pence you keep from each additional pound earned

• Pension Sacrifice Simulator — The optimisation engine tests micro-adjustments to your pension contributions and finds the exact sacrifice amount that maximises your total wealth while keeping you above your monthly living costs

• Bonus Impact Analysis — Enter any bonus amount and see the true tax hit. Simulate sacrificing part of your bonus into your pension to bypass the 60% trap or restore lost Child Benefit

• Tax Trap Detector — 9 detailed knowledge cards covering the Personal Allowance trap, HICBC, the pension taper, RSU phantom income, the MPAA ghost limit, carry forward strategies, and more

• Tax Relief Guide — 7 cards explaining pensions, ISAs, EIS/SEIS/VCT schemes, Marriage Allowance, Gift Aid, property allowances, and savings exemptions

BUILT FOR UK EARNERS ABOVE £50,000

If your salary is between £50,000 and £250,000, you are statistically the most overtaxed group in the country. The system creates invisible friction zones where earning more can actually leave you worse off. This calculator was designed specifically to navigate those zones.

The salary sacrifice optimiser protects a 4-month cash buffer based on your real living expenses, so it never recommends a sacrifice that would leave you short. It factors in employer pension matching, carry forward allowance from the previous three tax years, EV salary sacrifice schemes, and one-off contributions.

COVERS ALL UK INCOME SCENARIOS

✓ PAYE salary and side hustle income
✓ Scottish 6-band tax rates
✓ All student loan plans (Plan 1, 2, 4, 5, Postgraduate)
✓ Salary sacrifice pensions (percentage or fixed amount)
✓ Employer pension matching
✓ Electric vehicle salary sacrifice with BIK calculation
✓ Tax code analysis including K-codes and BR/D0/D1
✓ Child Benefit and Tax-Free Childcare modelling
✓ Pension annual allowance with carry forward and taper
✓ Bonus sacrifice simulation with annual allowance capacity check

PRIVATE AND SECURE

All calculations happen locally on your device. Your salary data, tax code, and financial information are never transmitted to any server. No account required. No tracking. Full GDPR compliance.

The most complete UK salary and tax calculator for the 2026/27 tax year. Updated with the latest HMRC rates and thresholds.