{"product_id":"digital-product","title":"UK Salaried Individual Tax Planner 2026\/27 - Take-Home Pay, Pension \u0026 Salary Sacrifice Excel Model","description":"\u003cdiv style=\"background:#2B3640;border-radius:4px;padding:24px 28px;margin-bottom:24px;\"\u003e\n\u003cdiv style=\"font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:0.08em;text-transform:uppercase;color:#5A6873;margin-bottom:8px;\"\u003eFirst 50 buyers\u003c\/div\u003e\n\u003cdiv style=\"font-family:'IBM Plex Mono',monospace;font-weight:700;font-size:40px;color:#A8772A;line-height:1;\"\u003e£10.49\u003c\/div\u003e\n\u003cdiv style=\"font-family:Inter,sans-serif;font-size:14px;color:#F5F2EC;opacity:0.9;margin-top:10px;\"\u003eWas £14.99. Use code \u003cstrong style=\"color:#F5F2EC;\"\u003eUKSALARY50\u003c\/strong\u003e at checkout — limited to the first 50 orders.\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"16:1-16:74;540-613\"\u003e\u003cstrong\u003eFree take-home calculators fall apart the moment your life gets real.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"18:1-18:193;615-807\"\u003eA bonus. Salary sacrifice. Scottish tax bands. A student loan \u003cem\u003eand\u003c\/em\u003e a postgraduate loan on top. Suddenly every free template gives you a different number — and none of them shows its workings.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"20:1-20:269;809-1077\"\u003eThis one does. The Finhenge Salaried Individual Tax Planner is a professionally built Excel model covering every 2026\/27 rate for the whole UK, with a full band-by-band audit trail behind every figure. You see exactly how your number was reached — not just what it is.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"22:1-22:399;1079-1477\"\u003e\u003cstrong\u003ePlan your salary sacrifice before you commit.\u003c\/strong\u003e The built-in Planned scenario sits beside your Current position and answers the question that actually matters: \u003cem\u003ewhat does each extra £1 into my pension really cost me?\u003c\/em\u003e In the loaded example, £3,450 goes into the pension for £1,290 of take-home given up — a cost of just £0.37 per £1. Your numbers will differ; the model shows you yours instantly.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"24:1-24:47;1479-1525\"\u003e\u003cstrong\u003eWhat it handles that free templates don't:\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul class=\"[li_\u0026amp;]:mb-0 [li_\u0026amp;]:mt-1 [li_\u0026amp;]:gap-1 [\u0026amp;:not(:last-child)_ul]:pb-1 [\u0026amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\" data-sourcepos=\"25:1-30:119;1526-2288\"\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"25:1-25:91;1526-1616\"\u003eScottish and rest-of-UK tax regimes — both computed on every recalculation, side by side\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"26:1-26:169;1617-1785\"\u003eAll three pension scheme types, modelled correctly: salary sacrifice, net pay arrangement, and relief at source (with the band-extension mechanism HMRC actually uses)\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"27:1-27:180;1786-1965\"\u003eUndergraduate \u003cem\u003eand\u003c\/em\u003e postgraduate student loans running concurrently — Plans 1, 2, 4, 5 and the 6% postgraduate loan, including Plan 5's first-ever repayments starting April 2026\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"28:1-28:99;1966-2064\"\u003eBonuses, pensionable or not, plus other salary sacrifice such as EV car or cycle-to-work schemes\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"29:1-29:105;2065-2169\"\u003eThe £100,000 personal-allowance taper (the \"60% trap\") — flagged automatically when you're in the zone\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"30:1-30:119;2170-2288\"\u003ePension annual allowance (£60,000) monitoring, employer NI pass-back at 15%, and the minimum-wage floor on sacrifice\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"32:1-32:432;2290-2721\"\u003e\u003cstrong\u003eAudited live, in front of you.\u003c\/strong\u003e A dedicated Health Check tab runs seventeen automated checks every time the model recalculates: independent recomputations of income tax, NI and student loans; payslip reconciliation to the penny; input validation; and planning warnings for the taper zone, annual allowance, minimum wage and the High Income Child Benefit Charge zone. One glance tells you the model — and your inputs — are clean.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"34:1-34:415;2723-3137\"\u003e\u003cstrong\u003eEvery threshold sourced.\u003c\/strong\u003e Rates come straight from GOV.UK, the Scottish Budget 2026\/27 and HMRC's December 2025 Employer Bulletin, with the source noted next to each figure on the Tax Tables tab. When 2027\/28 rates are announced, that single tab is the only sheet you'll need to update. There's even a heads-up on the April 2029 salary-sacrifice NI cap, so you can plan the next three years with your eyes open.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"36:1-36:314;3139-3452\"\u003e\u003cstrong\u003eBuilt to be used, not decoded.\u003c\/strong\u003e A Start Here tab gets you running in three steps. Plain-English Explanatory Notes translate the tax rules behind every calculation. All tabs are protected against accidental edits (no password — you stay in control), and only the clearly marked yellow input cells need touching.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"38:1-38:71;3454-3524\"\u003e\u003cem\u003eEstimates for planning only — not tax, pensions or financial advice.\u003c\/em\u003e\u003c\/p\u003e\n\u003chr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\u003e\n\u003ch2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"42:1-42:27;3531-3557\"\u003e\"What's included\" block\u003c\/h2\u003e\n\u003cul class=\"[li_\u0026amp;]:mb-0 [li_\u0026amp;]:mt-1 [li_\u0026amp;]:gap-1 [\u0026amp;:not(:last-child)_ul]:pb-1 [\u0026amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\" data-sourcepos=\"43:1-47:69;3558-3975\"\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"43:1-43:55;3558-3612\"\u003e1 × Excel workbook (.xlsx), instant digital download\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"44:1-44:102;3613-3714\"\u003e7 tabs: Start Here · Inputs · Summary · Health Check · Calculation · Tax Tables · Explanatory Notes\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"45:1-45:114;3715-3828\"\u003eWorked example pre-loaded (£60,000 + £5,000 bonus, 5% salary-sacrifice pension) — replace with your own numbers\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"46:1-46:78;3829-3906\"\u003ePlain-English guide to the 2026\/27 rules, including what changed vs 2025\/26\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"47:1-47:69;3907-3975\"\u003eFree to reuse every payday and for every what-if — no subscription\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"49:1-49:16;3977-3992\"\u003eWho it's for\u003c\/h2\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"50:1-50:351;3993-4343\"\u003eUK employees on PAYE who want to understand their payslip and plan pension contributions with confidence — especially anyone with a bonus, a workplace pension, Scottish residency, student loans, or income approaching the £100k taper. Also useful for people-managers and HR professionals who field \"what would sacrificing more actually do?\" questions.\u003c\/p\u003e\n\u003chr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\u003e\n\u003ch2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"54:1-54:53;4350-4402\"\u003eSpecifications (metafields or description footer)\u003c\/h2\u003e\n\u003cul class=\"[li_\u0026amp;]:mb-0 [li_\u0026amp;]:mt-1 [li_\u0026amp;]:gap-1 [\u0026amp;:not(:last-child)_ul]:pb-1 [\u0026amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\" data-sourcepos=\"55:1-60:70;4403-4850\"\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"55:1-55:34;4403-4436\"\u003eFormat: Microsoft Excel (.xlsx)\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"56:1-56:50;4437-4486\"\u003eTax year: 2026\/27 (6 April 2026 – 5 April 2027)\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"57:1-57:72;4487-4558\"\u003eCoverage: England, Wales \u0026amp; Northern Ireland + Scotland; NI is UK-wide\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"58:1-58:170;4559-4728\"\u003eRequirements: Microsoft Excel 2016 or later (Windows or Mac). [Confirm before publishing: state Google Sheets compatibility only if you've tested the import yourself.]\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"59:1-59:52;4729-4780\"\u003eDelivery: instant digital download after checkout\u003c\/li\u003e\n\u003cli class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"60:1-60:70;4781-4850\"\u003eLicence: single-user personal licence [adjust to your chosen terms]\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"62:1-62:7;4852-4858\"\u003eFAQ\u003c\/h2\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"63:1-64:172;4859-5054\"\u003e\u003cstrong\u003eIs this tax advice?\u003c\/strong\u003e No. It's a planning estimate built on published HMRC, GOV.UK and Scottish Government rates. For decisions that depend on non-standard circumstances, take regulated advice.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"66:1-67:187;5056-5273\"\u003e\u003cstrong\u003eDoes it work for Scotland?\u003c\/strong\u003e Yes — fully. Both the Scottish and rest-of-UK regimes are computed on every recalculation, and the model applies whichever you select. Scottish bands reflect the 2026\/27 Scottish Budget.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"69:1-70:118;5275-5462\"\u003e\u003cstrong\u003eI have a Plan 2 loan AND a postgraduate loan. Can it handle both?\u003c\/strong\u003e Yes, simultaneously — the two run concurrently, exactly as payroll deducts them. Most free calculators can't do this.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"72:1-73:144;5464-5673\"\u003e\u003cstrong\u003eMy pension is \"relief at source\" — is that modelled properly?\u003c\/strong\u003e Yes, including the 20% provider top-up and the band-extension mechanism for higher-rate relief, with the model's assumption clearly documented.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"75:1-76:122;5675-5842\"\u003e\u003cstrong\u003eWhat happens when rates change next year?\u003c\/strong\u003e Every rate lives on one Tax Tables tab with its source noted. Update that single sheet and the whole model rolls forward.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"78:1-79:170;6035-6263\"\u003e\u003cstrong\u003eCan I break it?\u003c\/strong\u003e It's hard to. All formula cells are protected against accidental edits, inputs are dropdown-validated, and seventeen automated checks flag anything that needs attention.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"81:1-82:202;6035-6263\"\u003e\u003cstrong\u003eWhat doesn't it cover?\u003c\/strong\u003e Non-standard tax codes, benefits in kind, Gift Aid, Marriage Allowance, self-employment or rental income, and per-pay-period NI on irregular bonuses. The Explanatory Notes state every exclusion openly.\u003c\/p\u003e","brand":"Finhenge","offers":[{"title":"Default Title","offer_id":56270903738708,"sku":null,"price":14.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1048\/6395\/7332\/files\/Calculation.png?v=1784236283","url":"https:\/\/finhenge.com\/products\/digital-product","provider":"Finhenge","version":"1.0","type":"link"}