PayAdjust AI — a pension advisor in every employee portal

Payroll your people can actually read.

Every employee sees exactly how tax, National Insurance and pension shape their pay — before payday, not after it.

UK payroll · HMRC-compliant · RTI · Auto-enrolment

Payslip previewOctober 2026
Gross pay£2,916.67
Pension (8%)was 5% · +£87.50−£233.33
Income Tax−£327.17
National Insurance−£149.49
Take-home£2,206.68

Raising pension 5% → 8% costs £70.00 in take-home. Tax relief covers the other £17.50.

HMRC PAYE compliant
30-day free trial
AES-256 encrypted
UK data residency
The problem with payroll today

Most payroll software treats pension as an afterthought

Employees don't change their pension contributions because they can't see what it does to their take-home pay. Corrections pile up after payday. And you end up answering the same pension questions over and over.

PayAdjust fixes all three.

Live tax-impact modelling

Employees see exactly what a pension increase costs them

When an employee moves the slider, their net pay updates instantly — showing how tax relief and NI savings offset the cost. The result? Higher contributions, fewer questions.

Pension increase

+£0

per month into their pot

Take-home drop

£0

per month

Employee portal — adjust pension

Your contribution

3%

Monthly amount

£195

3%
8%
Gross Pay£6,500
Income Tax-£1,475
National Insurance-£294
Pension-£195
Net Pay£4,536
Preview before payday

No more corrections after payday

Release payslips for preview before you finalise. Employees check their pay, adjust pension contributions, and submit expenses — so everything is right before you run payroll.

Draft Run

Generate payslips with one click

Preview Window

Employees review & adjust

Finalise

Lock in the numbers

Pay & File

Pay your team, we file with HMRC

Zero correction runs

Every change happens before anyone gets paid

Pension changes in the window

Employees adjust contributions with full tax visibility

Expenses & overtime too

Submissions land in the current pay run, not the next one

RTI, without the dread

An FPS wizard wired straight into HMRC

Generate your Full Payment Submission, send it over the Government Gateway, and watch HMRC's response land — all inside one wizard. No portal-hopping, no wondering whether it went through.

  • Direct connection to HMRC’s Transaction Engine
  • Real-time response tracking — usually accepted in seconds
  • HMRC mark stored on every accepted submission
  • Rejections come back as plain-English fix-it cards
  • Polling continues in the background, even if you close the tab
  • Prefer to file manually? Download the XML instead
Payment Wizard — File RTI

File RTI with HMRC

Full Payment Submission · February 2026

Payment Date

28/02/2026
Generate FPS

PayAdjust AI

Online

Ask about your pension...
AI pension advisor

Payroll AI that works for your people, not just your admins

Most payroll software now ships an admin copilot. PayAdjust puts the AI where the questions actually come from — your employees. Personalised guidance based on each person's actual salary and tax code, covering salary sacrifice vs net pay, contribution levels, and long-term impact.

  • Explains salary sacrifice vs net pay arrangement in plain English
  • Shows personalised savings based on the employee’s real numbers
  • Available 24/7 inside the employee portal
  • Reduces pension-related queries to HR by up to 90%
Everything you need

Built for UK payroll, end to end

Payroll & Tax

  • Automatic PAYE from tax code and salary
  • Employee & employer NI contributions
  • Student loan deductions (Plan 1, 2, 4 & PG)
  • Pro-rata calculations for mid-month starters
  • Overtime, expenses, and statutory pay in a few clicks
  • One-time and recurring bonus support
Learn more

Pension & Auto-Enrolment

  • NEST, Workplace, Master Trust & SIPP schemes, or a private pension
  • Worker category assessment dashboard
  • Opt-out window tracking with guided refund steps
  • 3-year re-enrolment monitoring
  • Custom pension rates or private pension on a per-employee basis
Learn more

Filed with HMRC, automatically

  • One-click FPS filing to HMRC over the Government Gateway
  • Real-time response with HMRC mark stored on every submission
  • Friendly rejection cards explain how to fix data issues
  • P60 and P45 generation (with bulk year-end output)
  • Scottish and Welsh tax code support
  • Optional XML download if you’d rather file manually
Learn more

Employee Self-Service

  • Payslip preview before payday
  • Overtime and expense submissions
  • Holiday requests with live allowance balance
  • Pension adjustment with deadline countdown
  • AI pension advisor with personalised guidance
  • Self-service P60, P45, and payslip downloads
Learn more

Reporting & Analytics

  • Company calendar with holidays, absences, deadlines, and pay days
  • Dashboard with key metrics at a glance
  • Tax year summaries
  • Payroll cost trend charts over time
  • Department breakdown visualisations
  • Headcount trend and employer cost tracking
Learn more

Security & GDPR

  • AES-256 encryption for sensitive data
  • Row-level security at the database layer
  • GDPR data export
  • Right to erasure with 6-year retention rules
  • Two-factor authentication required for all users
  • Immutable audit trail for every action
Learn more
How we compare

Everything the big platforms do. Plus the parts your employees notice.

We cover the payroll fundamentals you'd expect — then add the things nobody else does. Honest comparison, including where they're ahead.

FeaturePayAdjustLeading competitor
The essentials — both do these well
Automatic PAYE, NI & student loan calculations
Payslips, P60s and P45s
RTI submissions to HMRC (FPS & EPS)
Pension auto-enrolment
Employee self-service portal
Holiday & absence tracking
Where PayAdjust pulls ahead
Live tax-impact modelling — employees see net pay change before committing
Payslip preview window — employees review & adjust before payday
AI advisor for every employee, not just admins
FPS submission wizard with real-time HMRC response tracking
Every feature on one flat plan — nothing gated behind tiers
Where the big suites are ahead (for now)
Built-in accounting suite
Shift scheduling & timesheets
Pricing£9/mo flat
every feature
£12–£34/mo
by tier + per-employee fees

Based on the leading UK payroll suites' published plans and pricing (ex VAT), July 2026 — features and fees vary by tier. Their AI copilots assist payroll admins; none offer an employee-facing advisor.

Simple pricing

No tiers. No add-ons.

Live tax modelling, AI pension advice, and employee preview — features that sit behind premium tiers elsewhere are included as standard.

Save 40% with annual billing

£9£15

/month, billed annually

30-day free trial

Includes up to 10 employees. £2£1.50/month per additional employee, billed annually.

  • Live tax-impact modelling for employees
  • AI pension advisor with personalised guidance
  • Employee preview before payday
  • Full PAYE, NI & pension calculations
  • Unlimited payroll runs
  • Automatic RTI submissions to HMRC
  • P60 and P45 certificates
  • GDPR compliance tools
  • 100% cloud-based, nothing to install
Start Your 30-Day Trial

Free 30-day trial. Cancel anytime.

For accountants

Give your clients a payroll platform that reduces your workload

The preview phase eliminates correction runs. Employee self-service handles pension questions and data collection. Clean exports slot into your existing workflows. Fewer calls, fewer corrections, fewer late submissions.

Fewer payroll queries

Employees preview their own payslips and manage pension changes — so the questions come to the platform, not to you.

Submit RTI on behalf of clients

Built-in agent and bureau modes. Submit FPS and EPS to HMRC directly through PayAdjust, or download the XML and file manually. BACS CSVs and pension schedules included.

Clean reporting

Payroll summaries, tax breakdowns, and audit trails you can rely on — no chasing clients for missing data.

FAQs

Frequently asked questions

Everything you need to know about PayAdjust

About PayAdjust

Pricing & trial

Account & access

Security & compliance

Key features

Have more questions? Visit our Help Centre or get in touch.

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Payroll your people can actually read — from your first run.

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