UK income tax and take-home pay 2025/26 and 2026/27: Scottish bands, NI, student loans, 60% trap.
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Calculates UK take-home pay for an employee in tax year 2025/26 or 2026/27 from HMRC's published rates: income tax by band (England, Wales and NI, or the six Scottish bands incl. the 2026/27 Scottish starter and basic bands), employee Class 1 National Insurance (8% / 2%), student loan repayments (Plan 1, 2, 4, 5 and Postgraduate, with 2026/27 thresholds), and pension by salary sacrifice or relief at source. Applies the Personal Allowance taper above £100,000 (£1 per £2, the 60% trap) and reads tax codes such as 1257L, S1257L, K475, BR and D0. Returns net pay a year, a month and a week. Figures copied from gov.uk and HMRC in Oct 2026.
Annual gross salary in pounds (GBP), before any deductions.
Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code.
PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes.
UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27).
National Insurance category letter, default A. C = over State Pension age (no employee NI).
Employee pension contribution in pounds a year (gross). Use this OR pension_percent.
relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given.
Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution.
Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
claude mcp add --transport http uk-income-tax-salary-mcp https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp
Calculates UK take-home pay for an employee in tax year 2025/26 or 2026/27 from HMRC's published rates: income tax by band (England, Wales and NI, or the six Scottish bands incl. the 2026/27 Scottish starter and basic bands), employee Class 1 National Insurance (8% / 2%), student loan repayments (Plan 1, 2, 4, 5 and Postgraduate, with 2026/27 thresholds), and pension by salary sacrifice or relief at source. Applies the Personal Allowance taper above £100,000 (£1 per £2, the 60% trap) and reads tax codes such as 1257L, S1257L, K475, BR and D0. Returns net pay a year, a month and a week. Figures copied from gov.uk and HMRC in Oct 2026.
| Argument | Type | Description |
|---|---|---|
| region | string | Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code. |
| tax_code | string | PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes. |
| tax_year | string | UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27). |
| ni_category | string | National Insurance category letter, default A. C = over State Pension age (no employee NI). |
| gross_salary* | number | Annual gross salary in pounds (GBP), before any deductions. |
| pension_amount | number | Employee pension contribution in pounds a year (gross). Use this OR pension_percent. |
| pension_method | string | relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given. |
| pension_percent | number | Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution. |
| student_loan_plans | array | Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"gross_salary"
],
"properties": {
"region": {
"enum": [
"england",
"wales",
"northern_ireland",
"england_wales_ni",
"scotland"
],
"type": "string",
"description": "Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code."
},
"tax_code": {
"type": "string",
"maxLength": 16,
"description": "PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes."
},
"tax_year": {
"enum": [
"2025/26",
"2026/27"
],
"type": "string",
"description": "UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27)."
},
"ni_category": {
"enum": [
"A",
"B",
"C",
"H",
"J",
"M",
"V",
"Z"
],
"type": "string",
"description": "National Insurance category letter, default A. C = over State Pension age (no employee NI)."
},
"gross_salary": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Annual gross salary in pounds (GBP), before any deductions."
},
"pension_amount": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Employee pension contribution in pounds a year (gross). Use this OR pension_percent."
},
"pension_method": {
"enum": [
"none",
"relief_at_source",
"salary_sacrifice"
],
"type": "string",
"description": "relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given."
},
"pension_percent": {
"type": "number",
"maximum": 100,
"minimum": 0,
"description": "Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution."
},
"student_loan_plans": {
"type": "array",
"items": {
"enum": [
"plan_1",
"plan_2",
"plan_4",
"plan_5",
"postgraduate"
],
"type": "string"
},
"maxItems": 5,
"description": "Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes."
}
},
"additionalProperties": false
}Compares 1 to 5 UK gross salaries after income tax, National Insurance, student loan and pension for 2025/26 or 2026/27, with the same region, tax code and options for each. Shows net pay a year, month and week, effective and marginal rates, and how much of each pay rise you keep compared with the first salary. Shows when a rise lands in the £100,000 to £125,140 Personal Allowance taper (60% in England, 69.5% in Scotland in 2026/27 with NI). Uses HMRC 2025/26 and 2026/27 rates fetched in Oct 2026.
| Argument | Type | Description |
|---|---|---|
| region | string | Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code. |
| salaries* | array | 1 to 5 annual gross salaries in pounds. The first is the baseline. |
| tax_code | string | PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes. |
| tax_year | string | UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27). |
| ni_category | string | National Insurance category letter, default A. C = over State Pension age (no employee NI). |
| pension_amount | number | Employee pension contribution in pounds a year (gross). Use this OR pension_percent. |
Returns the official UK income tax bands for 2025/26 or 2026/27, for England, Wales and Northern Ireland or for Scotland (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%), both as taxable-income bands from HMRC's employer tables and as gross-salary bands with the standard £12,570 allowance. Also returns the £100,000 allowance taper, Class 1 NI thresholds and employee rates by category letter, and student loan thresholds for each plan. A figure that is not published is marked unannounced, never guessed. Copied from gov.uk and HMRC in Oct 2026.
| Argument | Type | Description |
|---|---|---|
| region* | string | england, wales, northern_ireland, england_wales_ni or scotland. |
| tax_year* | string | UK tax year: 2025/26 or 2026/27. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"tax_year",
"region"
],
"properties": {
"region": {
"enum": [
"england",
"wales",
"northern_ireland",
"england_wales_ni",
"scotland"
],
"type": "string",
"description": "england, wales, northern_ireland, england_wales_ni or scotland."
},
"tax_year": {
"enum": [
"2025/26",
"2026/27"
],
"type": "string",
"description": "UK tax year: 2025/26 or 2026/27."
}
},
"additionalProperties": false
}Returns the true UK marginal rate on the next pounds of salary in 2025/26 or 2026/27: income tax band rate, employee NI and student loan together, plus the Personal Allowance taper between £100,000 and £125,140 that makes it 60% plus NI in England, Wales and NI and 67.5% plus NI in Scotland's advanced band. Handles salary sacrifice, relief at source, Scottish bands and tax codes. Measured as the change in deductions over the next `step` pounds (default £100). Rates from gov.uk and HMRC, fetched Oct 2026.
| Argument | Type | Description |
|---|---|---|
| step | number | Size of the pay rise to measure over, in pounds (default 100). |
| region | string | Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code. |
| tax_code | string | PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes. |
| tax_year | string | UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27). |
| ni_category | string | National Insurance category letter, default A. C = over State Pension age (no employee NI). |
| gross_salary* | number | Annual gross salary in pounds (GBP), before any deductions. |
We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Oct 30, 2026.
| pension_method | string | relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given. |
| pension_percent | number | Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution. |
| student_loan_plans | array | Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"salaries"
],
"properties": {
"region": {
"enum": [
"england",
"wales",
"northern_ireland",
"england_wales_ni",
"scotland"
],
"type": "string",
"description": "Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code."
},
"salaries": {
"type": "array",
"items": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Annual gross salary in pounds (GBP), before any deductions."
},
"maxItems": 5,
"minItems": 1,
"description": "1 to 5 annual gross salaries in pounds. The first is the baseline."
},
"tax_code": {
"type": "string",
"maxLength": 16,
"description": "PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes."
},
"tax_year": {
"enum": [
"2025/26",
"2026/27"
],
"type": "string",
"description": "UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27)."
},
"ni_category": {
"enum": [
"A",
"B",
"C",
"H",
"J",
"M",
"V",
"Z"
],
"type": "string",
"description": "National Insurance category letter, default A. C = over State Pension age (no employee NI)."
},
"pension_amount": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Employee pension contribution in pounds a year (gross). Use this OR pension_percent."
},
"pension_method": {
"enum": [
"none",
"relief_at_source",
"salary_sacrifice"
],
"type": "string",
"description": "relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given."
},
"pension_percent": {
"type": "number",
"maximum": 100,
"minimum": 0,
"description": "Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution."
},
"student_loan_plans": {
"type": "array",
"items": {
"enum": [
"plan_1",
"plan_2",
"plan_4",
"plan_5",
"postgraduate"
],
"type": "string"
},
"maxItems": 5,
"description": "Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes."
}
},
"additionalProperties": false
}| pension_amount | number | Employee pension contribution in pounds a year (gross). Use this OR pension_percent. |
| pension_method | string | relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given. |
| pension_percent | number | Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution. |
| student_loan_plans | array | Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"gross_salary"
],
"properties": {
"step": {
"type": "number",
"maximum": 10000,
"minimum": 1,
"description": "Size of the pay rise to measure over, in pounds (default 100)."
},
"region": {
"enum": [
"england",
"wales",
"northern_ireland",
"england_wales_ni",
"scotland"
],
"type": "string",
"description": "Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code."
},
"tax_code": {
"type": "string",
"maxLength": 16,
"description": "PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes."
},
"tax_year": {
"enum": [
"2025/26",
"2026/27"
],
"type": "string",
"description": "UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27)."
},
"ni_category": {
"enum": [
"A",
"B",
"C",
"H",
"J",
"M",
"V",
"Z"
],
"type": "string",
"description": "National Insurance category letter, default A. C = over State Pension age (no employee NI)."
},
"gross_salary": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Annual gross salary in pounds (GBP), before any deductions."
},
"pension_amount": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Employee pension contribution in pounds a year (gross). Use this OR pension_percent."
},
"pension_method": {
"enum": [
"none",
"relief_at_source",
"salary_sacrifice"
],
"type": "string",
"description": "relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given."
},
"pension_percent": {
"type": "number",
"maximum": 100,
"minimum": 0,
"description": "Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution."
},
"student_loan_plans": {
"type": "array",
"items": {
"enum": [
"plan_1",
"plan_2",
"plan_4",
"plan_5",
"postgraduate"
],
"type": "string"
},
"maxItems": 5,
"description": "Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes."
}
},
"additionalProperties": false
}