Everything your payslips know, in one place.
Drop in a payslip each month. Earny reads the figures, keeps your pay history, checks the maths and shows you what's really changing. The payslip file itself is never stored.
Drop in any payslip
PDFs, even password-locked ones, or a screenshot. Earny reads the figures, spots duplicates and asks you to check before saving.
Commission, decoded
Spots your payout pattern, flags missed quarters and what they cost, and compares each quarter with the same one last year.
Your real pay growth
See pay in today's money or the prices you started on, so you know whether rises are beating inflation.
Where your year is heading
Full-year projections from your salary pattern and commission still to come, with a warning before you cross the £100,000 line.
Mistakes caught early
Checks every payslip adds up, flags emergency tax codes, missing NI and year-to-date figures that don't match.
Reports you can share
Password-protected infographic PDFs and Excel exports for any tax year, quarter or month. Ideal for your financial adviser, accountant or mortgage broker.
Three steps, about a minute a month.
Add your payslip
Upload, paste or snap it. Lost one? Enter the take-home and Earny estimates the rest.
Check the figures
Earny shows what it read and confirms gross, tax, NI and net all balance.
See the story
Trends, projections and a plain-English summary update instantly.
Drop in a PDF, even a locked one
Budget on the month you can count on.
Most budgeting apps guess your income from what lands in the bank. Earny knows what your salary pays on its own, so your bills are covered even in a month with no commission, and anything extra is a bonus.
- Standard month: your take-home without commission, worked out from your own payslips
- Other income: add rent, a partner's share or a side job
- What's left: every bill against your pay, with a clear figure for what remains
- Updates itself: a pay rise or new payslip changes the budget automatically
Commission makes mortgages harder. Earny makes the evidence easy.
Lenders usually want two to three years of variable pay and an average. Earny already has it, so you get a lender-ready summary in one tap.
- Basic salary, commission and bonus by year
- 2- and 3-year averages, the way lenders work them out
- Latest payslips and P60-style year totals
- A clean PDF to send your broker
Try everything free for 14 days. Then less than a coffee a month.
Start with the full Earny Plus experience and import all your old payslips. Keep Plus, or carry on free with the current tax year.
Free
- Your current tax year of payslips
- Tax-year summary and monthly chart
- Duplicate and maths checks
- Older years' figures stay saved but locked
Earny Plus
or £29 a year, after a 14-day free trial. First 500 members: £19 a year for life.
- Every tax year, as far back as you like
- Commission patterns and missed payouts
- Projections and the £100k warning
- Inflation-adjusted pay
- Budget planner: your standard month, other income and what's left
- Screenshot reading, PDF reports, Excel
- Mortgage pack included on yearly plans
Teams
- Earny Plus for every employee
- For sales teams on commission
- A financial wellbeing benefit
- Employers never see individual pay
Mortgage pack
Buy it once, whenever you need it. No subscription required.The only app that reads your payslips and budgets from them.
Snoop and Emma see what lands in your bank. Nous looks after your bills. The HMRC app shows yearly tax, not your month-by-month pay. Earny is the one that understands your payslip, and it works alongside the others.
| Feature |  Earny Pluspayslips + budget | Snoopbudgeting app | Emmabudgeting app | Nousbills manager | HMRC appofficial | Payslip checkerse.g. PayslipIQ |
|---|---|---|---|---|---|---|
| Price | £3.99a month, or £29 a year · 14 days free | £4.99a month, or £31.99 a year for Plus | £3–£7a month for Plus or Pro | Freepaid by switching commissions | Free | Free |
| Keeps your pay history, year after year | yearly totals and employer history | one payslip at a time | ||||
| Gross pay, tax, NI and pension per month | only net pay landing in the bank | only net pay landing in the bank | tax and pay per employer | |||
| Commission and bonus analysis | ||||||
| Budget built on your salary | from bank spending; income typed in | from bank spending | bills only | |||
| Tax-year projection and £100k warning | current-year tax estimate | |||||
| Pay after inflation | ||||||
| Checks every payslip for errors | compare your tax code | one payslip at a time | ||||
| Mortgage-ready income summary | ||||||
| Spending alerts and bill switching | pairs well with these | spending and fraud alerts | switches energy, broadband, mobile | |||
| Works without linking your bank | you share bill details instead |
Based on each provider's public information in November 2026. Snoop Plus is listed at £4.99 a month or £31.99 a year, with a free tier and occasional promotional prices. Nous is free to members and earns from switching commissions. Emma is free, with Plus at roughly £3–£4 and Pro at roughly £6–£7 a month. YNAB, another popular option, is $14.99 a month. Sources: Snoop · Nous · Emma · YNAB · HMRC app · PayslipIQ
Your pay is private. Earny was built that way from day one.
Four commitments, in plain English. No small print that says otherwise.
Read on your device
Payslip PDFs are opened in your own browser. Only the figures are kept; the file is never uploaded or stored.
Only you can see it
Stored in the UK, encrypted, and locked to your account with Face ID, a passkey or a PIN.
Never sold, no ads
You pay for Earny, so you're not the product. No ads, no data brokers, ever.
Take it or delete it
Export everything to Excel or PDF, then wipe your account in one tap.
Good to know
Does it work with my employer's payslips?
Earny reads most UK payslip PDFs and screenshots. If a layout isn't recognised, you can type the figures in and Earny still checks them.
How is Earny's budget different from a banking app?
Banking apps only see money landing in your account, so a big commission month makes you look richer than you are. Earny reads your payslips, works out what your salary pays on its own, and budgets from that. Commission then shows as extra, not as money you rely on.
Is this financial advice?
No. Earny shows you your own figures and explains them. It doesn't recommend products or tell you what to do with your money.
Can I share my figures with a financial adviser?
Yes. Download a report for any tax year, quarter or month and send it to your financial adviser, accountant or mortgage broker. In one document they get salary, commission and bonus, tax, NI, pension contributions from you and your employer, year-on-year changes and projections, which usually takes them hours to piece together from loose payslips. Reports are password-protected PDFs, with an Excel version for anyone who wants the numbers. You choose what to share, and nobody sees your account.
What happens after the 14-day trial?
You choose. Keep Earny Plus for £3.99 a month or £29 a year, or carry on free with your current tax year. The figures from your older payslips are never deleted: they stay safely stored and unlock the moment you upgrade. The payslip files themselves are never kept.
What if I change jobs?
Keep adding payslips. Earny tracks every employer in one history and handles the year-to-date reset when you start somewhere new.
What if I've lost some payslips?
Enter the take-home from your bank statement and Earny estimates the rest from your nearest regular month, clearly marked as an estimate.
Be first in line.
Join the waitlist for early access, a 14-day free trial of Plus and the £19-a-year founding price. No spam, just one email when Earny opens.
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