Jul 2026 · Income
£3,480 landed this month
Total incomings£3,480
Above your 12-month average+10%
£304 above your 12-month average - Surplus logs every pay day as it lands and knows what normal looks like.
Built by a chartered accountant
A tax helper that actually knows UK payslips.
One pay cycle, followed end to end. Scroll and watch Surplus check a real payslip in the app.
Monthly payslip · ACME
£5,113 gross becomes £3,480 take-home.
Income Tax-£895
National Insurance-£265
Pension Contribution-£256
Student Loan-£217
Modelled from real PAYE rules - tax code, NI bands, salary sacrifice - not read off the PDF.
Income check · Matched
“Banked income matches expected pay.”
Modelled£3,480
Banked£3,480
Reconciled the day the money lands. No spreadsheet, no chasing the PDF.
Income check · Action needed
“You were paid £200 less than expected.”
Modelled£3,480
Banked£3,280
Caught on pay day, not at the end of the month.
The income
It watches what lands
Your pay lands. It notices.
Surplus logs the £3,480 the moment it arrives and knows it sits 10% above your normal month.
Jul 2026 · Income
£3,480 landed this month
Total incomings£3,480
Above your 12-month average+10%
£304 above your 12-month average - Surplus logs every pay day as it lands and knows what normal looks like.
The payslip
It decodes the deductions
Every deduction, decoded.
Income tax, National Insurance, pension and student loan - modelled from real UK rules, not read off a PDF.
Monthly payslip · ACME
£5,113 gross becomes £3,480 take-home.
Income Tax-£895
National Insurance-£265
Pension Contribution-£256
Student Loan-£217
Modelled from real PAYE rules - tax code, NI bands, salary sacrifice - not read off the PDF.
The check
It reconciles the maths
Modelled pay meets banked pay.
When the numbers agree you see it matched. When they don’t, you hear about it before anyone else.
Income check · Matched
“Banked income matches expected pay.”
Modelled£3,480
Banked£3,480
Reconciled the day the money lands. No spreadsheet, no chasing the PDF.
The catch
It flags what’s off
Paid £200 less? You knew first.
In May the pay came in short. Surplus flagged it the day the money landed - not when the month fell apart.
Income check · Action needed
“You were paid £200 less than expected.”
Modelled£3,480
Banked£3,280
Caught on pay day, not at the end of the month.
Ask the things you’d normally Google.
- “Why was I taxed more this month?”
- “What does a salary-sacrifice pension do to my take-home?”
- “Is my tax code right?”
- “How much of my pay rise will I actually keep?”
Surplus answers from a real UK-tax engine - PAYE, National Insurance, student loan and salary sacrifice - not a generic model guessing at the rules.
Surplus helps you understand your own pay and tax - it isn’t regulated tax or financial advice.
The rest of Surplus.
All featuresRelated guides
Tax year 2026/27
BR, 0T and K tax codes: why you have one
BR, 0T, D0 and K are instructions to one employer or pension - not a verdict on your whole year. What each does and how a wrong one is fixed.
Read the guide Tax year 2026/27Why is my take-home pay lower this month?
A payslip-first check of five things that shrink take-home pay - code suffix, gross, deductions - and which of them correct themselves.
Read the guide Tax year 2026/27Tax code 1257L: what it means and why it changed
1257L is the ordinary code for one job or pension - it is only an emergency code when W1, M1 or X follows it. How to decode yours.
Read the guide