For UK workers, sole traders & small teams
UK time tracking that shows your real take-home pay
Clock in, clock out, and see exactly what lands in your bank after Income Tax, NI, pension and CIS — for PAYE and agency workers, sole traders and small teams.
Or continue with Google · one tapFree forever for up to 3 people · See your real take-home after tax
Take-home this shift
£52.13
After Income Tax & NI · updates every second
04:12:38
72% there · on pace to hit it by the 26th
Agency nurse · Umbrella
Tax code S1257L · Plan 5 + PGL
Aug 2026
Monthly
Payments
Umbrella deductions
Deductions
What actually lands
in your bank on payday
£2,405.37
How it works
Three steps to your real pay.
- 1
Sign up free
Add your hourly rate and tax code. Takes 30 seconds — no card needed.
- 2
Clock in and out
One tap when you start, one when you finish. Breaks are handled for you.
- 3
See your take-home
Your pay after tax, NI and pension updates live — and your earnings goal fills up as you work.
Live pay projection
See your pay breakdown
as you earn.
Clock in and watch your take-home update in real time. Clok handles Income Tax bands, National Insurance thresholds, and pension contributions automatically — updated yearly when tax rates change.
- Gross pay for the period
- Income Tax (current bands)
- National Insurance (thresholds)
- Pension contribution estimate
- Net take-home — what hits your bank
PAYE
Every tax code · 1257L, BR, K, S, C
12.07%
Rolled-up holiday, done properly
CIS
Construction 20% / 30% built-in
GDPR
UK-hosted, encrypted, cookie-lean
The moat · what generic trackers miss
Every UK deduction.
Handled properly.
Global time trackers show you hours. Clok is the only one that models the actual mess of UK PAYE — the codes, the umbrella cuts, the loans, the CIS deductions — and shows you what actually hits your bank.
Every tax code
1257L · BR · D0 · K · NT · W1
Full UK tax-code parser incl. Scottish (S) 5-band, Welsh (C), emergency codes, K codes (negative allowance). Change your code, every past period recalculates instantly.
Rolled-up holiday
12.07% on every hour
Agency and umbrella workers get holiday pay per shift, not per booked day. Clok tracks the pot so you can set it aside for time off — nobody else even attempts this.
Student loans
Plans 1 / 2 / 4 / 5 + PGL
HMRC-accurate. 9% above each plan's threshold; 6% PGL on £21k+. Auto-picks the lowest-threshold plan if you have more than one — matches how PAYE actually works.
CIS mode
Construction 20% / 30% + materials split
Registered subcontractors: 20% (or 30% unregistered) at source. Log materials/plant hire inline on the pay period card — HMRC exempts them, Clok shows exactly what you save.
Umbrella mode
Margin + Levy + Employer NI (with brand)
Contract rate → −Umbrella margin → −Apprenticeship Levy (0.5%) → −Employer's NI (15%) → Your assignment rate. Add your umbrella's name and the payslip PDF reads like an authentic umbrella payslip.
Expenses Hub
Mileage + receipts + tax integration
Self-employed only. Log business mileage (HMRC 45p/25p split), tools, training, subsistence. Snap receipts from the mobile camera. Every entry drops your "Set aside for HMRC" in real time.
Appearance & accessibility
Themes for every kind of eye — colour-blind safe built in
Four themes — Dark, High contrast, Light and Colour-blind safe — plus six accent colours and three text sizes. Colour-blind safe swaps every red/green pair for blue/orange, so the pain lines stay legible without depending on red or green. Free on every tier.
Payslip export
One-tap UK payslip PDF
Every deduction on a proper A4 payslip. Tax code, NI cat, gross, IT, NI, SL+PGL, pension, rolled-up holiday, YTD figures. Reconcile against your umbrella payslip in seconds.
Every quid you save
from HMRC.
Sole traders and CIS subbies under-claim expenses to the tune of hundreds a year. Clok's Expenses Hub logs mileage at the HMRC rate (45p first 10k / 25p after), tools, materials, training, subsistence — and drops your set-aside as soon as you tap Save.
- HMRC mileage split tracked across the tax year
- Snap receipts from the phone camera (JPG · HEIC · PDF)
- Category totals + Self Assessment-ready summary
- Set aside for HMRC recalculates in real time
Real screenshot
£210 claimed this tax year — mileage, tools, training. Your set-aside drops the moment you save.
Everything you need to get paid right.
One-tap clock in / out
Auto-deducted breaks, overtime detection at 40h/week, geofenced sites — all calculated server-side.
UK Tax & NI calculated
Live take-home estimate using current Income Tax bands + NI thresholds. Auto-updates yearly.
Weekly · bi-weekly · monthly
Pick your pay cycle. Dashboard shows period progress + next payday countdown.
Insights & PDF invoices
6-month earnings rollup, monthly tax forecast, downloadable PDF invoices for clients.
Geofenced clock-in
Tie clock-in to a worksite radius. Off-site attempts get blocked and email the manager.
Holiday tracking
Fixed-allowance or 12.07% accrual for agency workers. Sick, holiday, PTO, and unpaid leave — all visible on your calendar.
- Colour-coded calendar with worked days and holidays
- 12.07% accrual for agency workers
- Sick, PTO, and unpaid leave logged separately
UK GDPR safe
UK/EU hosted, encrypted at rest. Password reset via signed email links, DMARC-protected sender.
Works offline
Install Clok to your home screen. Clock in and out with no signal; entries sync when you reconnect.
Self-employed mode
Class 4 NI, HMRC set-aside tracker, PDF invoices, and the Expenses Hub — mileage, tools, receipts — all deducted against your Self Assessment automatically.
What early users say
“I found this app extremely helpful keeping track of my hours and holiday. It is very easy to use and understand.”
Lattrice Davis
Verified Google review · 5 stars
Free to start. £6 for self-employed. £18 for teams.
Free plan: no card. Solo & Team: 14-day free trial, cancel before day 15 · Card required
Free
£0
forever · up to 3 members
- Time tracking + breaks
- UK PAYE tax & NI math
- UK bank holidays
- Geofenced clock-in
- Weekly / monthly views
Solo
£6/mo
or £60/yr · save £12 · 1 seat
- Everything in Free
- Self-employed mode (Class 4 NI)
- HMRC set-aside tracker
- PDF invoices + CSV export
- Insights dashboard
- Priority support
Team
£18/mo
or £180/yr · save £36 · up to 10 seats
- Everything in Solo
- Up to 10 members
- Manager approval workflow
- Weekly digest emails
- Off-site clock-in alerts
- Bulk PDF invoices per pay period
Learn
Latest guides
Agency workers · PAYE
How to work out your take-home pay as an agency worker in the UK
You know your hourly rate. You know your hours. But what actually hits your bank account after Income Tax, National Insurance, and pension? Here's how it works — with real numbers for 2026/27.
Read guide
PAYE · Beginners
PAYE explained: A simple guide for UK workers (2026/27)
What PAYE actually means, how tax codes work, and where your money goes — broken down step by step with the 2026/27 rates. No accounting degree required.
Read guide
Umbrella vs PAYE
Umbrella company vs agency PAYE: which pays more?
Side-by-side comparison with real numbers. See exactly how umbrella margins, employer NI, and pension contributions affect your take-home — and which option wins for your situation.
Read guide
Quick answers
Support
Stuck? We've got you.
Quick fixes for the common ones — or send us a message and a real person in the UK replies.
Replies usually within one working day.
About the maker
Martyn Wheatley
Founder · Leicestershire, UK
I built Clok because every time-tracking app I tried was made for the US market — spitting out numbers that had nothing to do with what actually lands in a UK bank account after Income Tax, National Insurance, and pension.
UK workers, agency staff, sole traders, and small teams all deserve a tool that speaks their language and shows the honest number. So I made one — solo, in the UK, with real 2026/27 tax logic baked in.
If Clok helps you or something feels wrong, I want to hear from you personally. I read and reply to every email.
Get in touch
Say hello.
Feedback, bug reports, feature requests, partnership ideas, or just a hello — every email lands directly in my inbox. No support ticket queue, no bots.
hello@getclok.comUsually reply within 24 hours · UK business days
For press: same address — mention “press” in the subject.
For UK accountants: partnership discussions welcome.
For workspaces of 10+: ask about custom Team pricing.
Stop guessing your take-home.
Set up in 30 seconds. No card required for the free plan. Cancel anytime.
Start free · 14-day trial on paid plansCookies on Clok
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