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UK Income Tax and Salary
UK take-home pay for 2025/26 and 2026/27, Scottish bands included.
Free. No paid tier, no key. Source on GitHub
What you get
Check a pay rise above 100k
Engineering manager in Bristol, UK
| Tool call | What it did |
|---|---|
| compare_salaries | Puts both salaries side by side with net pay and how much of the rise is kept |
| marginal_rate_at_income | Shows the combined rate inside the allowance taper |
Net pay for both salaries and a marginal rate of 62% in England with NI inside the GBP 100,000 to 125,140 taper.
Give a UK salary and get net pay a year, a month and a week. It applies income tax by band, National Insurance, student loans and pension, from HMRC's published rates. It also shows the real marginal rate, including the 60% trap above 100,000 GBP.
Made for UK employees, Contractors weighing PAYE roles, Recruiters, Payroll staff
3 requests, start to finish
Example chats. Each one uses real tools of this server, named as they run. The people and firms are made up.
UK Income Tax and Salary is free. Pro on the other 49 paid servers: $39 once. Free vs Pro
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Example 1 · Engineering manager in Bristol, UKCheck a pay rise above 100k
I earn GBP 104,000 and may get GBP 112,000. How much of the rise do I keep, and what's my marginal rate?compare_salariesPuts both salaries side by side with net pay and how much of the rise is keptmarginal_rate_at_incomeShows the combined rate inside the allowance taper
Net pay for both salaries and a marginal rate of 62% in England with NI inside the GBP 100,000 to 125,140 taper.
Saves about 15 min (our estimate)
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Example 2 · Junior doctor in Glasgow, ScotlandPlan a Scottish salary with a student loan
Salary GBP 48,000 in Scotland, 2026/27, Plan 2 student loan, 5% pension by salary sacrifice. What do I take home a month?calculate_uk_take_homeScottish bands, NI, Plan 2 and salary sacrifice for 2026/27
Monthly and weekly net pay with tax by each Scottish band, NI, student loan and pension shown line by line.
Saves about 15 min (our estimate)
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Example 3 · Payroll assistant in Leeds, UKRead the official bands
Show the 2026/27 bands for England and Scotland, NI thresholds and student loan thresholds.get_uk_tax_bandsReturns bands, NI thresholds and student loan thresholds for the year
Bands as taxable income and as gross salary, NI rates by category letter, and Plan 1, 2, 4, 5 and Postgraduate thresholds.
Saves about 10 min (our estimate)
Free, every tool
Free
$0 no key
Limits read from the code: satellites/uk-income-tax-salary-mcp/src/tools.ts:63 (tool registry; /usr/bin/grep for license|isPro|MCP_LICENSE in src finds nothing)
Install
Works with Claude, Cursor, VS Code and other MCP clients. The hosted URL needs no install at all.
npm uk-income-tax-salary-mcp
Paste this URL as a custom connector in your MCP client. No token, no sign-in.
Connector URL
https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp
Add this to your MCP client config (Claude Desktop, Cursor, VS Code). Needs Node.js.
{
"mcpServers": {
"uk-income-tax-salary": {
"command": "npx",
"args": [
"-y",
"uk-income-tax-salary-mcp"
]
}
}
} One command in your terminal.
claude mcp add --transport http uk-income-tax-salary https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp # or run it locally claude mcp add uk-income-tax-salary -- npx -y uk-income-tax-salary-mcp
All tools (4)
| Tool | What it does |
|---|---|
calculate_uk_take_home | Net pay a year, a month and a week. |
get_uk_tax_bands | Official bands for a tax year and region, as taxable-income bands and as gross-salary bands. |
compare_salaries | Up to 5 salaries side by side: net pay, effective and marginal rates, and how much of each rise you keep. |
marginal_rate_at_income | The true marginal rate on the next pounds of pay: income tax, NI and student loan together, including the £100,000 to £125,140 taper. |
Questions
Does it handle Scotland?
Which student loan plans?
Is it HMRC-approved?
More in Calculators
UK Income Tax and Salary is free