Salarium vs Sinkstack

Salarium is the essential tool for working out your real UK take-home pay from a gross annual salary, with HMRC tax year 2025/26 rules built in. Plus 13 other European countries when you're comparing offers, moving, or working cross-border. Key Features: - Instant gross to net conversion - 14 European countries supported - 2026 tax systems updated (UK 2025/26, Italian budget law, German 2026 Lohnsteuer) - UK: Scotland bands, NI Class 1, Student Loan (Plan 1/2/4/5, Postgraduate), Marriage Allowance, PA taper above £100k - Multiple salary payments (13th, 14th month for EU countries) - Family tax benefits - Social security contributions included - Clean, professional interface Perfect for: - Evaluating UK job offers - Working out your real take-home pay - Comparing UK vs EU positions - Understanding NI, PAYE and Student Loan deductions - Simulating Scotland vs E/W/NI scenarios - Financial planning Supported Tax Systems: - UK: PAYE 2025/26, NI Class 1, Scotland bands, Student Loan (Plan 1/2/4/5, Postgraduate), Marriage Allowance, PA taper - Ireland: PRSI, USC - Germany: Lohnsteuerklassen I–VI, Solidaritätszuschlag, Kirchensteuer by Bundesland - France: Quotient Familial with plafonnement, tranche-based social contributions, CSG/CRDS - Italy: IRPEF 23/33/43, cuneo fiscale, regional and municipal surtaxes - Spain: Estatal + autonómica (Madrid, Cataluña, Andalucía), joint taxation - Netherlands, Switzerland (4 cantons), Belgium, Austria, Portugal, Sweden, Denmark, Norway Important Notes: - Estimates based on 2026 regulations - Regular tax parameter updates - Consult a tax professional for official calculations Privacy: - No personal data required - Offline calculations - No registration needed

Payday Bridge projects a dated cash pool so you can see shortfalls before payday, even when the period ends with money left over. HOW IT WORKS 1. Open Payday Bridge from the dashboard. Enter an opening cash amount, desired buffer and 1–90 day horizon, or explore the labeled example. 2. Add dated income and payments. Mark uncertain income, then compare the entered baseline with uncertain income excluded or all paydays delayed by up to 14 days. 3. Inspect the lowest daily closing balance, same-day posting-order sensitivity and exact daily ledger. Save the plan and share its dates and assumptions. Envelope tracking, recurring schedules, Funding Calendar, paycheck allocation, catch-up planning, statements and existing scenario tools remain available. Saved plans preserve exact cents; failed writes keep the previous in-memory state and corrupt files are preserved. WHAT TO KNOW Manual USD planning for one cash pool, with up to 200 entries per plan and 50 saved plans. Amounts are stored as integer cents. Payments-before-income assumes all same-day outgoings precede incoming cash; actual posting order is unknown. Delayed income beyond the horizon is reported separately. No bank account is connected and no payments or envelope-balance changes occur. Include all obligations and avoid counting envelope transfers and their eventual bills twice. iPhone and iPad.