calculate_take_home

Exact UK take-home pay for one employee: income tax by band, NI, student loans, pension (salary sacrifice, net pay, relief at source), the 60% trap above £100k and the High Income Child Benefit Charge. Returns net pay per year, month and week, effective and marginal rate, and GOV.UK sources. Use this instead of calculating UK deductions yourself.

read-only

Argument	Type	Description
region	string
pension	object
taxYear	string
grossSalary*	number
studentLoans	array
childBenefitAnnual	number

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "grossSalary"
  ],
  "properties": {
    "region": {
      "enum": [
        "rUK",
        "scotland",
        "england",
        "wales",
        "northern-ireland",
        "ni"
      ],
      "type": "string"
    },
    "pension": {
      "type": "object",
      "required": [
        "percent",
        "method"
      ],
      "properties": {
        "method": {
          "enum": [
            "salary_sacrifice",
            "net_pay",
            "relief_at_source"
          ],
          "type": "string"
        },
        "percent": {
          "type": "number",
          "maximum": 100,
          "minimum": 0
        }
      },
      "additionalProperties": false
    },
    "taxYear": {
      "enum": [
        "2025-26",
        "2026-27"
      ],
      "type": "string"
    },
    "grossSalary": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0
    },
    "studentLoans": {
      "type": "array",
      "items": {
        "enum": [
          "plan1",
          "plan2",
          "plan4",
          "plan5",
          "postgrad"
        ],
        "type": "string"
      },
      "maxItems": 2
    },
    "childBenefitAnnual": {
      "type": "number",
      "maximum": 100000,
      "minimum": 0
    }
  },
  "additionalProperties": false
}

compare_take_home

Compare 2 to 5 UK pay scenarios (pay rises, pension changes, moving to Scotland, student loans) side by side, with the difference in net pay from the first.

read-only

Argument	Type	Description
scenarios*	array

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "scenarios"
  ],
  "properties": {
    "scenarios": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "grossSalary"
        ],
        "properties": {
          "region": {
            "enum": [
              "rUK",
              "scotland",
              "england",
              "wales",
              "northern-ireland",
              "ni"
            ],
            "type": "string"
          },
          "pension": {
            "type": "object",
            "required": [
              "percent",
              "method"
            ],
            "properties": {
              "method": {
                "enum": [
                  "salary_sacrifice",
                  "net_pay",
                  "relief_at_source"
                ],
                "type": "string"
              },
              "percent": {
                "type": "number",
                "maximum": 100,
                "minimum": 0
              }
            },
            "additionalProperties": false
          },
          "taxYear": {
            "enum": [
              "2025-26",
              "2026-27"
            ],
            "type": "string"
          },
          "grossSalary": {
            "type": "number",
            "maximum": 100000000,
            "minimum": 0
          },
          "studentLoans": {
            "type": "array",
            "items": {
              "enum": [
                "plan1",
                "plan2",
                "plan4",
                "plan5",
                "postgrad"
              ],
              "type": "string"
            },
            "maxItems": 2
          },
          "childBenefitAnnual": {
            "type": "number",
            "maximum": 100000,
            "minimum": 0
          }
        },
        "additionalProperties": false
      },
      "maxItems": 5,
      "minItems": 2
    }
  }
}

get_tax_rates

Income tax bands (England/Wales/NI and Scotland), National Insurance, student loan thresholds and the child benefit charge for a UK tax year. Free. Years: 2025-26, 2026-27.

read-only

Argument	Type	Description
taxYear	string

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "properties": {
    "taxYear": {
      "enum": [
        "2025-26",
        "2026-27"
      ],
      "type": "string"
    }
  }
}

TakeHome API

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calculate_take_home Read-only

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TakeHome API

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calculate_take_home Read-only

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