UK Income Tax and Salary

io.github.theluckystrike由 GitHub 账号 theluckystrike 发布v1.0.0更新于 Oct 30, 2026

UK income tax and take-home pay 2025/26 and 2026/27: Scottish bands, NI, student loans, 60% trap.

已验证Streamable HTTP可网页运行金融数据与分析

概览

AI 生成的概览

计算 2025/26 与 2026/27 年度英国所得税与到手工资，涵盖苏格兰税率档、国民保险、学生贷款、养老金及 60% 税率陷阱。

可以做什么
  • 按年、月、周计算到手工资，含分档所得税、雇员国民保险、学生贷款计划、养老金与税码
  • 查询指定税年与地区的官方税率档、国民保险门槛及学生贷款门槛
  • 并排比较最多五个税前年薪，给出净收入、实际与边际税率以及加薪后实际保留的比例
  • 返回下一笔收入适用的真实边际税率，含 10 万至 125,140 英镑之间的个人免税额递减
适用场景
适合回答英国薪资税后价值、加薪或薪资牺牲对净收入的影响，以及苏格兰与英格兰税率档差异等问题。仅面向 2025/26 与 2026/27 税年。
运行要求
通过 streamable HTTP 连接的远程 MCP 端点，无需登录、令牌或 API 密钥。README 另提供本地 npx 安装方式，需要 Node 20 或更高版本。
安装前请注意
结果为估算而非税务建议，且仅覆盖单一雇佣的薪资收入；储蓄、股息、实物福利及多项免税额未纳入模型。数据按年度计算，工资单金额可能略有差异。仅支持 2025/26 与 2026/27 税年。

安装

在 SourceWeft 中

  1. 打开 控制台中的 UK Income Tax and Salary，将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/io.github.theluckystrike%2Fuk-income-tax-salary-mcp/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

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

README

uk-income-tax-salary-mcp

An MCP server that works out UK income tax and take-home pay on a salary for 2025/26 and 2026/27, with the Scottish bands, National Insurance, student loans, pension and the 60% tax trap, using HMRC's published rates.

Hosted endpoint, no sign-in and no token:

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

Tools

ToolWhat it does
calculate_uk_take_homeNet pay a year, a month and a week. Income tax by band (England, Wales and NI, or the six Scottish bands), employee Class 1 NI, student loan (Plan 1, 2, 4, 5, Postgraduate), pension by salary sacrifice or relief at source, tax codes (1257L, S1257L, K475, BR, D0, SD1, 0T, NT) and the Personal Allowance taper above £100,000.
get_uk_tax_bandsOfficial bands for a tax year and region, as taxable-income bands and as gross-salary bands. Also the allowance taper, NI thresholds and rates by category letter, and student loan thresholds.
compare_salariesUp to 5 salaries side by side: net pay, effective and marginal rates, and how much of each rise you keep.
marginal_rate_at_incomeThe true marginal rate on the next pounds of pay: income tax, NI and student loan together, including the £100,000 to £125,140 taper.

Every result has structured JSON, a plain-English summary, as_of, source (the gov.uk or HMRC page) and more (a calculator page on ukmoneycalc.com).

What it knows that your model does not

  • The 2026/27 Scottish bands. The starter band now runs to £16,537 and the basic band to £29,526 (2025/26: £15,397 and £27,491).
  • The 2026/27 student loan thresholds: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Postgraduate £21,000, and the first Plan 5 threshold of £25,000. Plan 5 has no threshold in 2025/26.
  • The 2026/27 NI lower earnings limit of £6,708 and the 8% / 2% employee rates by category letter.
  • The taper takes £1 of allowance for every complete £2 over £100,000. That makes the marginal rate 62% in England with NI, and 69.5% in Scotland's 45% advanced band.
  • With relief at source you pay 80% and claim the rest above 20% yourself, and the grossed-up contribution lowers adjusted net income for the taper. Salary sacrifice also cuts NI and student loan.
  • Several student loan plans repay 9% over the lowest threshold, plus 6% over the Postgraduate threshold, as gov.uk describes.

Install

Claude.ai custom connector or ChatGPT developer mode

Add a custom connector and paste the URL. No token is needed.

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

Claude Code

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

Or run it locally:

claude mcp add uk-income-tax -- npx -y uk-income-tax-salary-mcp

Claude Desktop

Add this to claude_desktop_config.json:

json
{  "mcpServers": {    "uk-income-tax": {      "command": "npx",      "args": ["-y", "uk-income-tax-salary-mcp"]    }  }}

Cursor

Add this to ~/.cursor/mcp.json:

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

VS Code

Add this to .vscode/mcp.json:

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

Node 20 or newer is needed for the local npx version.

Example prompts

  • "I earn £48,000 in Manchester with a Plan 2 student loan. What is my take-home pay a month in 2026/27?"
  • "I live in Edinburgh and earn £52,000. How much income tax do I pay this year, band by band?"
  • "My salary goes from £98,000 to £112,000. How much of the rise do I keep, and how much salary sacrifice gets me back under £100,000?"
  • "What is my marginal tax rate at £115,000 with a 5% relief at source pension?"
  • "Compare £35,000, £45,000 and £60,000 after tax in Scotland."

Data sources

All numbers come from gov.uk and HMRC pages fetched on 2026-10-30: Rates and thresholds for employers 2025 to 2026 and 2026 to 2027, Income Tax rates and Personal Allowances, Income Tax in Scotland, National Insurance rates and categories, Repaying your student loan, Tax on your private pension, Adjusted net income and Tax codes. See DATA_SOURCES.md for each item and URL.

Limitations

  • Results are estimates, not tax advice.
  • It works on annual figures. Payroll works per pay period, so a payslip can differ by a few pounds, for example where monthly NI and student loan thresholds are rounded.
  • One employment and salary income only. Savings, dividends, benefits in kind, the High Income Child Benefit Charge, Marriage Allowance transfers and Blind Person's Allowance are not modelled beyond the tax code you give.
  • The pension percent is applied to the whole gross salary, not to qualifying earnings. Employer contributions are not included.
  • Net pay arrangement pensions are not a separate option. Use salary_sacrifice for the tax effect, but note that net pay does not cut NI.
  • K codes do not apply the 50% overriding limit.
  • Tax years before 2025/26 are not included.

More

Calculators for people: ukmoneycalc.com.

Part of the Zovo MCP collection: https://mcp.zovo.one

Development

npm installnpm run buildnpm test

src/core.ts holds all the rules and has no I/O. src/stdio.ts is the local entry and src/worker.ts is the Cloudflare Worker entry. Both use the same tool registry in src/tools.ts.

License

MIT

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Each one is free, needs no API key and has a hosted URL you can paste into Claude or ChatGPT.

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The paid back-office collection (invoices, VAT, PDFs, spreadsheets) is at https://mcp.zovo.one

来源：README.md，提交 1cd99a8

工具

4

calculate_uk_take_home

UK take-home pay

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.

输入参数regiontax_codetax_yearni_categorygross_salary必填pension_amountpension_methodpension_percentstudent_loan_plans

get_uk_tax_bands

UK income tax bands and thresholds

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.

输入参数region必填tax_year必填

compare_salaries

Compare UK salaries after tax

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.

输入参数regionsalaries必填tax_codetax_yearni_categorypension_amountpension_methodpension_percentstudent_loan_plans

marginal_rate_at_income

UK marginal tax rate at a salary

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.

输入参数stepregiontax_codetax_yearni_categorygross_salary必填pension_amountpension_methodpension_percentstudent_loan_plans

版本历史

1
  1. v1.0.0最新Oct 30, 2026

评分

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  • 近 30 天内可连通必需25 分
  • 已声明认证方式必需10 分
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  • 描述必需15 分
  • 图标10 分
  • 文档15 分
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