KEEP by AI Finance Partners
Your gross salary is rarely what you keep. KEEP shows your real take home on UK 2026/27 rules, how a company director can pay themselves, and how cheap a pension really is once tax relief is counted. Nothing leaves your device.
Your pay
Net pay arrangement (standard auto-enrolment). Reduces income tax but not National Insurance. For NIC savings too, use Salary Sacrifice below.
A formal arrangement to give up salary in exchange for employer pension contributions. Reduces both income tax AND National Insurance.
Where it goes
Your marginal tax rate
Income tax jumps from 20% to 40% at £50,270, then hides a trap: between £100,000 and £125,140 your tax-free allowance disappears and the rate hits 60%. The gold dot is you.