Accurate for UK tax year 2024/25
See what your UK job offer is really worth
OfferLens breaks down salary, bonuses, equity — RSUs, stock options, growth shares — and pension contributions using 2024/25 HMRC rules, so you can compare offers side by side and negotiate with confidence.
No signup required for the free calculator. Start in seconds.
Built for professionals evaluating offers at
Features
Everything you need to evaluate an offer
Equity vesting schedules, pension salary sacrifice, student loan repayments, Scottish vs. English tax bands, pre-IPO stock options — OfferLens untangles it all so you don’t have to.
Accurate UK Tax Calculations
Every calculation uses 2024/25 HMRC rules. Income tax (England, Wales & Scotland), National Insurance, student loan plans 1-5, and salary sacrifice pensions — nothing is missed.
Try the free calculator→Side-by-Side Offer Comparison
Compare up to 5 offers simultaneously. See projected total compensation across 4 years with equity vesting, refresher grants, and performance scenario modelling (1x, 1.5x, 2x).
Open the evaluator→FAANG Equity Vesting Projections
Built-in vesting schedules for Amazon (5/15/40/40), Google (33/33/22/12), Meta, Apple, and Microsoft (25/25/25/25). Add custom schedules for any company.
See vesting projections→Pre-IPO & Startup Equity
Model stock options (EMI, CSOP, unapproved), growth shares, and phantom equity. Pick your company stage — from Seed to late-stage — and get risk-adjusted valuations with dilution and exit modelling.
Model your equity→Tax & Compensation Insights
Get personalised alerts: the £100k trap, marginal rate analysis, CGT vs income tax comparisons for equity, pension optimisation tips, and student loan payoff projections.
See insights in action→Private & Secure
All tax calculations run in your browser. Your salary data never leaves your device. No tracking, no data selling — just accurate numbers when you need them.
How it works
From offer letter to informed decision in three steps
Enter your offer details
Base salary, bonus, equity grant — RSUs, stock options, or growth shares — pension contribution, and student loan plan. Enter as much or as little as you have.
See your real take-home pay
Get an instant breakdown with UK income tax, National Insurance, and all deductions calculated to the penny.
Compare and decide
Add more offers, toggle performance scenarios, and see 4-year projections side by side to make the right call.
Why OfferLens
Built for UK tech compensation
Generic calculators miss the details that matter most when evaluating a tech compensation package.
HMRC accuracy
All 2024/25 income tax bands, NI thresholds, and rates
Scottish tax bands
Full support for Scotland's 6-band tax system
Salary sacrifice pensions
See exactly how pension contributions affect take-home
FAANG vesting schedules
Amazon, Google, Meta, Apple, Microsoft presets + custom
Pre-IPO equity
EMI, CSOP, unapproved options, growth shares, phantom SARs
CGT & BADR
Capital gains tax calculations with Business Asset Disposal Relief
Equity risk modelling
Illiquidity discounts, dilution, and success probability by stage
4-year projections
Total compensation across vesting schedules with refresher grants
No signup required · Runs in your browser · Updated for 2024/25
Pricing
Simple, transparent pricing
Start for free. Upgrade when you need deeper analysis.
Free
£0
Try the calculator — no account needed.
- Take-home pay calculator
- Tax, NI & student loan breakdown
- Pension modelling
Pro Monthly
£4.99/mo
Full access while you job hunt.
- Compare up to 5 offers
- 4-year projections
- FAANG equity vesting
See full details on our pricing page.
FAQ
Frequently asked questions
- How accurate are the tax calculations?
- All calculations follow HMRC 2024/25 rules exactly — income tax bands (England, Wales & Scotland), National Insurance thresholds, student loan repayment rates, and capital gains tax rates including Business Asset Disposal Relief. We update the rates each tax year.
- Do you store my salary data?
- No. The free calculator runs entirely in your browser. Your data never leaves your device. The Pro evaluator stores offers only in your authenticated account — we never share or sell your data.
- Which vesting schedules are supported?
- We include presets for Amazon (5/15/40/40), Google (33/33/22/12), Meta, Apple, and Microsoft (25/25/25/25). You can also define fully custom vesting schedules for any company. Annual refresher grants can have their own independent vesting schedule.
- Can I model startup or pre-IPO equity?
- Yes. Pick your company stage (Seed through late-stage) and we auto-populate risk parameters like illiquidity discount, dilution, and success probability. We support EMI, CSOP, and unapproved stock options, growth shares, pre-IPO RSUs, and phantom equity / SARs — each with the correct UK tax treatment.
- How does equity risk modelling work?
- For private company equity, we apply an illiquidity discount, model future dilution rounds, and factor in a success probability based on company stage. You can toggle between pessimistic, expected, and optimistic scenarios to see the range of outcomes. All parameters are adjustable.
- Do you support Scottish tax rates?
- Yes. Toggle between England/Wales and Scotland tax bands on both the free calculator and the Pro evaluator. Scottish starter, basic, intermediate, higher, advanced, and top rates are all covered.
- Is the calculator really free?
- The single-offer take-home pay calculator is completely free, with no signup required. For multi-offer comparison, equity projections, and tax insights, Pro starts at £4.99/month — or grab lifetime access for £49.99.
- What student loan plans do you support?
- Plans 1, 2, 4, 5, and postgraduate loans — each with their correct threshold and repayment rate for the current tax year.