PayBrief

PayBrief is the UK personal finance app that shows you exactly where your money goes - from your gross salary all the way down to your last direct debit. TAKE-HOME PAY CALCULATOR Enter your annual salary and instantly see your take-home pay broken down annually, monthly and weekly. PayBrief uses the latest 2025/26 HMRC rates including income tax bands, National Insurance, pension salary sacrifice, and all student loan plans (Plan 1, 2, 4 and Postgraduate). BUDGET TRACKER Add your regular monthly outgoings across categories like Housing, Transport, Utilities and Subscriptions. See your disposable income at a glance and get an instant warning if your outgoings exceed your take-home pay. FINANCIAL CHARTS Visualise exactly where your money goes with a salary split donut chart, spending by category breakdown, and an income vs outgoings comparison. See your budget commitment percentage and whether your finances are healthy or stretched. PAYMENT CALENDAR Never be caught out by a forgotten direct debit. The payment calendar shows every bill due this month, highlights upcoming payments in the next 7 days, and tracks what's already been paid. AI STATEMENT IMPORT (one-time purchase) Import your recurring payments automatically from a bank statement PDF or CSV. PayBrief uses AI to identify your standing orders, direct debits and subscriptions and places them into the right categories - ready for you to review before anything is saved. PayBrief is designed specifically for UK users with accurate HMRC tax calculations and supports both standard UK and Scottish income tax rates, which are updated each tax year.