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My UK PAYE & Deductions Insight v2.9.1

Current profile: Default

Income

Gross YTD: £0 Tax Deducted YTD: £0 Net YTD: £0

Employment and Pension Incomes

Taxable Income

Month Salary 1 Salary 2 Taxable 1 Taxable 2 Pension 1 State Pension Total

Other Savings and Investments Income

Total other income tax: £0.00

Savings interest and dividends are entered annually because HMRC taxes them on a yearly basis, not monthly.

Tax on savings: £0.00
Tax on dividends: £0.00
Total other income tax: £0.00

Deductions Summary

Total Deductions YTD: £0 Balanced
PAYE Tax £0.00
Tax Collected £0.00
National Insurance £0.00
Student Loan £0.00
Other Income Tax £0.00
Total Deductions £0.00

Direct Payments to HMRC

PAYE Tax

Tax Due YTD: £0
Taxable income entering PAYE before Personal Allowance:
£0.00

Cumulative Allowance

Standard Personal Allowance:
£12,570
High Income Reduction:
£0
Final Personal Allowance Available:
£12,570
Personal Allowance Used:
£0
Personal Allowance Remaining:
£12,570

Employment / Pension Taxable Income Bands

Nil Rate (0%):
£0
Basic Rate (20%):
£0
Higher Rate (40%):
£0
Additional Rate (45%):
£0

Employment / Pension Tax Due Breakdown

Tax at 0%:
£0
Tax at 20%:
£0
Tax at 40%:
£0
Tax at 45%:
£0
Total PAYE Due YTD:
£0
Total PAYE Collected YTD:
£0

Monthly PAYE

MonthPAYECumulative

National Insurance

NI YTD: £0

NI Earnings Bands (YTD)

Earnings Below PT:
£0
Earnings at 8%:
£0
Earnings at 2%:
£0

NI Due Breakdown (YTD)

NI at 8%:
£0
NI at 2%:
£0
Total NI YTD:
£0

Monthly NI

MonthNICumulative

Student Loan

SL YTD: £0

Undergraduate Loan

UG YTD:
£0

Postgraduate Loan

PGL YTD:
£0
Total SL YTD:
£0

Monthly Student Loan

Month UG PGL Total Cumulative

Tax Collection Review - P800 Style Reconciliation

Balanced

PAYE Tax Due:

Other Income Tax Due:

Total Tax Due:

PAYE Collected (PAYE):

Direct Payments to HMRC:

Total Collected:

Difference:

Status:

Collection Note:

Tax Code Review - P2 Style Review

This section is intended to help you review your tax code based on the information you've entered. It will highlight any potential issues or mismatches that could indicate your tax code is incorrect.

Your Tax Code

Tax-Free Amount Calculation

Standard Personal Allowance:

High Income Reduction:

Reduced Personal Allowance:

Underpayment Adjustment:

State Pension Deduction:

Final Tax-Free Amount:

Included Adjustments

    Notes

    Help & Getting Started

    Setup guide and printable help

    My PAYE & Deductions Insight helps you understand your UK PAYE position by comparing tax due with tax actually collected by HMRC across the tax year.

    Main functionality

    • Tracks monthly salary, pension and State Pension income
    • Calculates PAYE, National Insurance and Student Loan deductions
    • Allows annual savings interest and dividend inputs
    • Compares PAYE due against tax collected and direct payments to HMRC
    • Shows a P800-style end-of-year position: Balanced, Underpaid or Overpaid
    • Supports separate user profiles on the same device

    Typical first-time setup

    1. Add a profile in Parameters & Settings.
    2. Select the tax year in Parameters & Settings.
    3. Add any student loan details: choose the loan plan, repayment start year, and whether a postgraduate loan applies.
    4. Set pension deduction rates for Income 1 and Income 2 if relevant.
    5. Enter monthly income in the Income card: salary (gross), private pension, and any State Pension received.
    6. Importantly, enter tax already deducted by HMRC for each month. This is essential because the tool compares tax due with tax actually collected.
    7. Add any other income such as annual savings interest or dividends if relevant.
    8. Add any direct payments to HMRC in the Deductions Summary card if you have made them.

    Key outputs

    • PAYE Tax shows cumulative PAYE due and monthly PAYE.
    • Deductions Summary shows total deductions and whether you appear balanced, underpaid or overpaid.
    • P800 Summary gives the clearest end-of-year position and likely HMRC action.

    Useful notes

    • Leave unused monthly fields blank.
    • Profiles keep different users separate on the same device.
    • You can use Export and Import to back up or move data between devices.
    • The Print Summary option in the P800 card produces a concise printable record.

    Parameters & Settings

    User Profiles

    Current profile: Default
    Tap a profile to switch. Switching profile will load the last saved data for that profile.

    Add new profile

    New profiles start with empty data and default settings.

    Tax Year selection


    Student Loan Settings


    Pension Deduction Handling

    Actual pension deductions are now entered monthly in the Income card for Salary 1 and Salary 2. This gives a cleaner comparison with the taxable pay figure reported to HMRC by employers.


    Tax Year Parameters

    On smaller screens, swipe left and right to view the full table.

    Parameter 2023/24 2024/25 2025/26 2026/27 2027/28
    Personal Allowance 12570 12570 12570 12570 12570
    Basic Band 37700 37700 37700 37700 37700
    Higher Limit 125140 125140 125140 125140 125140
    Basic Rate 0.20 0.20 0.20 0.20 0.20
    Higher Rate 0.40 0.40 0.40 0.40 0.40
    Additional Rate 0.45 0.45 0.45 0.45 0.45
    NI Primary Threshold (monthly) 1048 1048 1048 1048 1048
    NI UEL (monthly) 4189 4189 4189 4189 4189
    NI Main Rate 0.12 0.08 0.08 0.08 0.08
    NI Upper Rate 0.02 0.02 0.02 0.02 0.02
    SL Plan 1 Threshold (annual) 22015 24990 26065 26900 26900
    SL Plan 2 Threshold (annual) 27295 27295 28470 29385 29385
    SL Plan 4 Threshold (annual) 27660 31395 32745 33795 33795
    SL Plan 5 Threshold (annual) 99999 99999 99999 25000 25000
    PGL Threshold (annual) 21000 21000 21000 21000 21000
    Savings Allowance 1000 1000 1000 1000 1000
    Savings Tax Rate 0.20 0.20 0.20 0.20 0.20
    Dividend Allowance 500 500 500 500 500
    Dividend Tax Basic Rate 0.0875 0.0875 0.0875 0.1075 0.1075
    Dividend Tax Higher Rate 0.3375 0.3375 0.3375 0.3575 0.3575
    Dividend Tax Additional Rate 0.3935 0.3935 0.3935 0.3935 0.3935

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