Last updated: August 2026
PayFluency is a compensation clarity tool designed to help UK professionals understand approximate take-home pay, pension sacrifice, RSU vesting and bonus income. Results are estimates for planning and educational purposes only. It is operated by PayFluency Ltd (company number 17375686), registered in England and Wales.
Nothing on PayFluency constitutes financial, tax, legal or payroll advice. The calculations are based on publicly available HMRC rules and published thresholds for the current tax year, but they are not a substitute for advice from a qualified accountant, tax adviser or financial planner.
Your actual take-home pay is calculated by your employer’s payroll software using information specific to you. Figures shown on PayFluency may differ from your payslip for reasons including, but not limited to:
Creating an account is required to access Pro features. By creating an account you agree to provide accurate information and keep your credentials secure.
Pro is a paid subscription billed monthly or annually at the prices shown on the site. Payments are processed by Stripe. By subscribing you also agree to Stripe’s terms of service.
A one-off personalised PDF report is available for purchase by any user — a Pro subscription is not required. The report is generated and delivered immediately on payment.
Pro subscription: You may cancel at any time via the account portal. Access continues until the end of the current billing period.
14-day cancellation right: Under the Consumer Contracts Regulations 2013 you have the right to cancel a new subscription within 14 days of purchase. At checkout, you are asked to expressly request that the service begins immediately and to acknowledge that your right to cancel is extinguished once the service has been fully performed. By ticking this box you waive your right to cancel for any portion of the service already delivered.
Compensation report: As an immediately-delivered digital product, the right to cancel is extinguished upon delivery, in accordance with Regulation 37 of the Consumer Contracts Regulations 2013. This is disclosed at the point of purchase.
To request a cancellation or raise a refund question, contact feedback@payfluency.co.uk.
You are responsible for verifying any figures that matter to you — with your employer’s payroll team, HMRC or a qualified adviser. Do not make financial decisions based solely on estimates from PayFluency.
We make reasonable efforts to validate our calculations against known cases and to keep thresholds up to date. However, we make no guarantee of accuracy and accept no liability for decisions made in reliance on figures shown here.
PayFluency Pro is a paid subscription that unlocks additional features on top of the free calculator, including full Pension Modelling, complete Compare results, and Years 2–4 of RSU vesting impact modelling. Pro is offered on a monthly (£8.99/month) or annual (£49/year) recurring subscription basis, billed in advance through our payment processor, Stripe.
By subscribing to Pro, you authorise Stripe, our payment processor, acting on our instructions, to charge your chosen payment method on a recurring basis until you cancel. Prices are shown in GBP.
This subscription and these cancellation rights are intended for consumers resident in the UK, consistent with the UK consumer law referenced below.
Pro subscriptions renew automatically at the end of each billing period (monthly or annual, matching your chosen plan) unless you cancel before the renewal date.
You can cancel your Pro subscription at any time, self-serve, via your account’s billing settings (powered by Stripe’s customer portal) — no need to contact us. Unless you’re within the 14-day cooling-off period described below:
If you cancel within the 14-day cooling-off period, your access ends immediately once your refund is processed, rather than continuing to the end of the paid period.
As a UK consumer, you generally have a legal right to cancel a distance contract for services within 14 days of subscribing, without giving a reason, and to receive a refund. This applies the same way to both monthly and annual plans:
By subscribing, you expressly request that your Pro access begins immediately, and you acknowledge that you lose your right to cancel under the Consumer Contracts Regulations 2013 once the service has begun, except where the service is later found to be faulty or not as described. This requires clear, affirmative consent captured at checkout (an unticked checkbox, not pre-ticked or buried in small print) — not just this clause alone.
Outside the 14-day window, subscription fees are non-refundable for the period already paid for — whether monthly or annual — except where required by law or where we’ve made an error.
To switch between monthly and annual billing, please cancel your current plan and subscribe to the other — contact us if you’d like help timing this to avoid double payment.
This mainly applies to monthly plans (each recurring charge) and to annual plans at their once-yearly renewal point — not partway through an annual term you’ve already paid for. If a scheduled payment fails, we’ll attempt to retry it. If payment cannot be collected after a reasonable retry period, your Pro access will be paused and reinstated automatically once a successful payment is made, or your subscription may be cancelled if the failure persists. This does not affect your statutory rights.
We may change Pro subscription pricing from time to time. The notice you receive depends on your plan:
Cancelling your subscription does not delete your account. See our Privacy Policy for how to request deletion of your account and associated data.
By using PayFluency you accept these terms. If you do not accept them, please do not use the calculator.
These terms may be updated as the product develops. Material changes will be reflected in the “Last updated” date above.
Questions or concerns? feedback@payfluency.co.uk
PayFluency Ltd · Company number 17375686