PayFluency exists because complex compensation deserves a clear explanation — not just a number.
When I joined a tech company with a package that included RSUs, pension sacrifice and a student loan, I couldn’t find a tool that modelled it properly. Everything I tried gave me a salary number. None of them handled equity income, threshold interactions, or the real cost of pension sacrifice. I was an ACA-qualified chartered accountant and I still found it genuinely difficult to model what I’d actually keep.
PayFluency started as a spreadsheet. It became a proper tool when I realised the problem wasn’t mine alone — it’s the same problem faced by anyone with a compensation package that doesn’t fit a simple salary calculator. The goal was never to build the most feature-rich tool. It was to build the clearest one.
ACA-qualified chartered accountant
Trained at a Big Four firm in Financial Services Audit. I understand how compensation structures work from the inside.
Former British Army officer
Served as a Captain. Brought the same discipline to building this that I learned there.
Operations professional
Currently working in operations at a tech company. I live the same compensation complexity PayFluency is designed to explain.
Complex compensation wasn’t designed to be easy to understand. Tax codes, marginal rates, salary sacrifice, RSU vesting — these interact in ways that aren’t obvious even to financially literate people. PayFluency exists to close that gap. Not to tell you what to do — to make sure you have what you need to decide for yourself.
Verified calculations
Every output is tested against known values. If a figure is wrong, I want to know about it.
No financial advice
PayFluency shows you the picture. What you do with it is your decision.
No agenda
No advertisers. No affiliate links. No data sold. The tool exists to be useful.
Questions or feedback? feedback@payfluency.co.uk