Higher rate band
£85k salary
Trusted by UK professionals · Free to start
Personal finance.
Personal finance.
Reimagined, in your pocket.
Income, tax, and wealth: all connected. See how every choice plays through and compounds, every day.
Salaryon
From income to wealth,
all connected.
Follow a single £48,000 salary through Salaryon. Each stage feeds the next.
- Earned
Salary Calculator
Real-time gross-to-net for employees, contractors, and the self-employed. With student loans, multiple jobs, and pension inputs built in.
Try the calculatorTake-home £3,173 per month - Allocated
Budget Planner
The 50/30/20 split rebuilt around your actual take-home, so every pound has a job before the month starts.
Your 50/30/20- Needs
- £1,587
- Wants
- £952
- Save
- £635
- Grown
Wealth Tracker
Property, pension, investments, and liabilities in one view. Run scenarios before you act, not after.
Invested surplus £261k after 20 years - Understood
Learn Hub
Short lessons on UK tax, NI, pensions, and thresholds, tied to the numbers above rather than a textbook.
Next lesson at this salary Plan 2 at 9%
Illustrative: 20% of take-home invested for 20 years at 5% a year. England/Wales, employee, no pension or student loan deductions applied.
Learn Hub Become fluent in all things personal finance,
Become fluent in all things personal finance,
a habit that compounds.
A guided journey from your first payslip to running your own investments. Bite-sized lessons, short quizzes, and live visualisers that let you play with the numbers, not just read about them.
Chapters, in order Tax Essentials · Pensions & Future · Investing Basics · Home Buying · and many more.
Progression levels Curious Mind through Money Legend. Earn badges along the way: Week Warrior, Tax Expert, Topic Master.
Live visualisers Tax Visualiser, Pension Projector, Debt Payoff Planner. Drag the sliders, watch the impact unfold.
Chapters in the journey
- Getting Started
- Your Payslip
- Tax Essentials
- Saving Smart
- Pensions & Future
- Investing Basics
- Home Buying
- Mastering Debt
- Financial Freedom
- Student Loans Decoded
- Banking & Credit
Chapter 4 · Tax Essentials Your journey
🔥 12
Level 7 · Tax Literate
- UK Tax Bands 4 min · passed 90%
- National Insurance, demystified 5 min · passed 80%
- Salary Sacrifice: The Hidden Win 6 min · up next
- Tax Codes Decoded 5 min · locked
Week Warrior7-day streak
Tax Expert3 of 5
Roadmap
How we got here.
Development on Salaryon began in April 2025, with research, product design, and the core platform shipped for private beta in March 2026. After three invitation waves and a rolling-access period, Salaryon is now public on both stores, and continues to evolve from user feedback.
- Private Beta
iOS · Initial testers.
- External Beta
iOS · Three invitation waves.
- Rolling Access
iOS + Android · Onboarding from the waitlist.
- Public launch
iOS & Android · App Store and Google Play.
- Refine & Expand
Improved experience, deeper capabilities and continued refinement.
Insights
Read all articles Notes on UK salary, tax, and wealth.
- Tax mechanics
The £100k trap: why a pay rise can cost you money.
How the personal allowance taper creates a 60% effective rate, and the three legal ways to step around it.
- Career
Contractor vs employee in 2026: who takes home more?
Same headline day rate, very different take-home. A UK-specific breakdown for anyone weighing the switch.
- Reference
Every UK salary threshold that matters in 2026/27.
From the £12,570 personal allowance to the £150k additional-rate cliff. Printable map included.
Start free.
Upgrade only if it earns it.
Free tells you what you earn. Premium helps you decide what to do about it.
Free
£0
Create an account and keep it as long as you like.
- Unlimited salary calculations: employed, self-employed, contractor, IR35, Scotland
- The full tax breakdown, band by band, never locked
- Unlimited net worth calculations: what you own, what you owe
- All Learn lessons and quizzes
- One saved calculation, one net worth snapshot, one budget
- Cloud Backup and restore
- One real insight from your numbers
Premium
14 days free
£8.99 a month after that
or £69.99 a year, saving 35%. The trial applies to both.
- Everything in Free
- Every insight in your pay and pension, not just one
- What-if: test a change before you make it
- Compare any two calculations or snapshots side by side
- Net worth over time: trends, projections, retirement income
- Budget tracking: record what you actually spent against your plan
- Household income and household wealth
- Unlimited saves, renaming and categories
- Export to PDF, Excel or CSV
Subscriptions are billed by Apple or Google, renew automatically, and can be cancelled any time in your App Store or Google Play account settings. Full detail in our Terms of Service.
Free on iOS and Android
The door is open. Step through.
Download Salaryon and set up your first picture of where you stand. Free to start, no card needed.