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Can Claude work out UK take-home pay for 2026/27?

Roughly. Claude knows how PAYE, National Insurance and student loans work, but the figures move every April, the Scottish bands change on their own schedule, and 2026/27 began after many models were trained. Pension by salary sacrifice also changes the NI and student loan sums in a way that's easy to miss. Connect the free UK Income Tax and Salary server and Claude runs the 2025/26 or 2026/27 rules for your tax code, region, pension and loan plan.

Connect free, no token UK income tax and salary MCP server

What Claude does alone, and what needs the server

Claude on its own

  • Explains tax codes, NI classes and student loan plans.
  • Gives a ballpark figure from older tax years.

With the UK Income Tax and Salary server

  • 2025/26 and 2026/27 bands for England, Wales, Northern Ireland and Scotland.
  • Tax codes including K, BR, D0 and emergency codes.
  • Salary sacrifice or relief at source pensions, and Plan 1, 2, 4, 5 and postgraduate loans.
  • Your marginal rate, including the 60% band above £100,000.

A real call to the live server

We sent this to the hosted server on 2026-11-03. The answer below is the server's own text, not a mock-up. Live values will differ when you ask.

You ask

I earn £45,000 in England, put 5% into my pension by salary sacrifice and repay a Plan 2 student loan. What is my take-home in 2026/27?

Tool call

calculate_uk_take_home {"gross_salary":45000,"tax_year":"2026/27","region":"england","pension_method":"salary_sacrifice","pension_percent":5,"student_loan_plans":["plan_2"]}

Server answer

On £45,000 in 2026/27 (England, Wales or NI, code 1257L) take-home pay is £33,096.75 a year, £2,758.06 a month or £636.48 a week. Income tax £6,036, National Insurance £2,414.40, student loan £1,202.85, pension £2,250 (salary sacrifice).

Connect it in 1 minute

One URL, no token, no account. In Claude.ai or Claude Desktop open Settings, then Connectors, then Add custom connector, and paste the URL.

Connector URL

https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http uk-income-tax-salary https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp

Cursor (~/.cursor/mcp.json)

{
  "mcpServers": {
    "uk-income-tax-salary": {
      "url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

VS Code (.vscode/mcp.json)

{
  "servers": {
    "uk-income-tax-salary": {
      "type": "http",
      "url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

All 4 tools, sources and more prompts: UK income tax and salary MCP server · UK Money Calc

Questions

Can Claude work out UK take-home pay for 2026/27?
Roughly. Claude knows how PAYE, National Insurance and student loans work, but the figures move every April, the Scottish bands change on their own schedule, and 2026/27 began after many models were trained. Pension by salary sacrifice also changes the NI and student loan sums in a way that's easy to miss. Connect the free UK Income Tax and Salary server and Claude runs the 2025/26 or 2026/27 rules for your tax code, region, pension and loan plan.
Why can my payslip differ?
Payroll works per pay period and the server works on annual figures, so a payslip can differ by a few pounds. The server says so in each answer.
Does it cover Scotland?
Yes. Set the region to scotland, or use an S tax code, and it applies the six Scottish bands.
Is the server free?
Yes. The UK Income Tax and Salary server is free at its hosted URL with no token, key or account. The source is open on GitHub.

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