UK professional reviewing payslip and laptop at a home desk

Keep more of every payslip. Build real wealth on the side.

Smarter tax. Smarter pension.

One pension tweak can save thousands in tax and quietly grow your future fund.

For all UK earners

See exactly how much tax a smarter pension split could save you.

EMBR Salary breaks down your income tax, National Insurance and take-home — then shows the pension top-up that turns 40% or 60% tax into long-term wealth.

Try the free calculator →See EMBR Salary Pro

Free with sign-up · Pro from £7.99/mo

See your true take-home

A clear breakdown of income tax, NI and pension — annual and monthly — so you know exactly what lands in your bank.

Spot your tax band

Instantly see if you're in the 40% higher-rate or 60% £100k trap — and how much each extra £1 is really costing you.

Smart pension top-ups

Get the exact contribution that turns tax into pension — including employer match you might be leaving behind.

Find your number in 30 seconds.

Free with a quick sign-up. See your tax, NI and how much a pension top-up could save you today.

Open the calculator →