Hi everyone,
Like many here, I spend way too much time modeling pension contributions and trying to figure out exactly how a pay rise or bonus will actually affect my net take-home pay once the student loans and tax traps kick in.
I tried using the existing tax apps, but I hated trading my privacy to use them. Almost all of them require an internet connection just to show you ads, and many harvest your salary inputs.
So, as a solo developer, I built an alternative called Overtaxed. It is 100% offline. No data ever leaves your phone.
The standard payslip calculator is free forever. But I also built an "Optimiser Engine" specifically for people dealing with:
- The 60% tax trap (£100k+ taper)
- Salary sacrifice modeling
- Bonus net-pay calculations
The advanced engine is usually £1.99 a year, but I want to get this in the hands of people who actually understand personal finance to help me stress-test the math.
If you want to use the advanced tools, just use the promo code OT26 when the upgrade screen pops up, and it will give you the first year completely free.
Apple: https://apps.apple.com/gb/app/overtaxed-salary-calculator/id6761667443
Let me know if you run into any weird edge cases with your specific tax codes. I’m actively updating the math engine this week.