UK Dual Salary Calculator – Support

Get in touch

Questions, problems or suggestions: email richard@digitalhopeltd.com. Please include your iPhone or iPad model and iOS version, and a screenshot if something looks wrong.

Your privacy: the app keeps everything on your device. Read the privacy policy.

What the app does

Enter one salary or two and see the household take-home pay per year, month, week or day, after income tax, National Insurance, student loan repayments and pension contributions.

• Pay as an annual salary or an hourly rate with hours per week or month
• More than one job or a pension per person, each with its own PAYE tax code
• Standard, K, BR, D0, D1, NT and 0T codes, with Scottish (S) and Welsh (C) prefixes
• Scottish income tax bands
• Student loan Plans 1, 2, 4 and 5 and postgraduate loans
• Pension contributions by salary sacrifice or a net-pay workplace scheme
• No National Insurance once you are over State Pension age
• The personal allowance taper above £100,000

Frequently asked questions

<h3>Which tax years are covered?</h3>
<p>2025/26 and 2026/27. The current tax year is selected automatically on 6 April; you can switch years in Settings. New rates are added in an app update once they are announced.</p>

<h3>Why is my personal allowance shown as £12,579 rather than £12,570?</h3>
<p>PAYE turns the £12,570 allowance into tax code 1257L and then treats that code as allowing £12,579 for the year. HMRC's own estimator and your payslip use that figure, so the app does too.</p>

<h3>I have two jobs. Why is the second one taxed at 20% on everything?</h3>
<p>Unless you enter a tax code for it, the app assumes HMRC has given the second job code BR, which is what usually happens. Enter the code from that job's payslip to change it. The breakdown also shows whether the tax taken across your jobs is more or less than is due on your total income.</p>

<h3>Why don't the figures match my payslip exactly?</h3>
<p>Payroll works per pay period and rounds National Insurance and student loan deductions each time, so a year's worth can differ from the app's annual calculation by a few pounds. Bonuses, benefits in kind, emergency (W1/M1) codes and salary sacrifice for things other than pensions are not modelled.</p>

<h3>Is my data sent anywhere?</h3>
<p>No. Everything is calculated and stored on your device. There is no account, no analytics and no advertising.</p>

<h3>Is this financial advice?</h3>
<p>No. Figures are estimates for an employee paid through PAYE. Check with HMRC or your payslip for exact amounts.</p>