1. Acceptance of terms

By accessing and using PaidThenWhat ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of service

PaidThenWhat is a free UK tax calculator tool that helps users estimate their take-home pay, model salary sacrifice scenarios, and understand the impact of pension contributions, childcare schemes, and other tax-relevant factors. The Service is based on the 2025/26 UK tax year rules for England, Wales, and Northern Ireland.

3. Not financial advice

The Service provides general financial information only. It does not constitute personalised financial, tax, or legal advice. Calculations are estimates based on standard tax codes and publicly available HMRC rates. They do not account for benefits in kind, previous tax year carry-forward, specific employer pension scheme rules, or individual circumstances.

You should always consult a qualified financial adviser, accountant, or tax professional before making financial decisions based on information from this tool.

4. No warranty

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that calculations are accurate, complete, or up to date. Tax rules may change and we may not update the tool immediately. We are not liable for any losses or damages arising from your use of or reliance on the Service.

5. User accounts

You may use the calculator without creating an account. If you sign in with Google, you can save and load calculations. You are responsible for maintaining the security of your Google account. We are not liable for any unauthorised access to your saved data.

6. Acceptable use

You agree not to:

Use the Service for any unlawful purpose
Attempt to reverse-engineer, scrape, or copy the Service
Interfere with or disrupt the Service or its infrastructure
Use automated tools to access the Service excessively

7. Intellectual property

All content, design, code, and branding of PaidThenWhat is our intellectual property. You may not reproduce, distribute, or create derivative works from the Service without our express written permission.

8. Limitation of liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

9. Changes to terms

We reserve the right to modify these terms at any time. Changes will be posted on this page. Continued use of the Service after changes constitutes acceptance of the new terms.

10. Governing law

These terms are governed by and construed in accordance with the laws of England and Wales.

11. Contact

If you have questions about these terms, please contact us via the feedback widget in the app.