UK Income Tax and Salary

io.github.theluckystrike由 GitHub 帳號 theluckystrike 發布v1.0.0更新於 Oct 30, 2026

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

已驗證Streamable HTTP可網頁執行金融資料與分析

概覽

AI 產生的概覽

計算 2025/26 與 2026/27 年度英國所得稅與實領薪資，涵蓋蘇格蘭稅率級距、國民保險、學貸、退休金與 60% 稅率陷阱。

可以做什麼
  • 依年、月、週計算實領薪資，含分級所得稅、受僱者國民保險、學貸方案、退休金與稅碼
  • 查詢指定稅務年度與地區的官方稅率級距、國民保險門檻及學貸門檻
  • 並列比較最多五個稅前年薪，提供淨額、實質與邊際稅率，以及加薪後實際保留的比例
  • 回傳下一筆收入適用的真實邊際稅率，含 10 萬至 125,140 英鎊間個人免稅額遞減
適用情境
適合回答英國薪資稅後價值、加薪或薪資犧牲對實領金額的影響，以及蘇格蘭與英格蘭稅率級距差異等問題。僅涵蓋 2025/26 與 2026/27 稅務年度。
執行需求
透過 streamable HTTP 連線的遠端 MCP 端點，無需登入、權杖或 API 金鑰。README 另提供本機 npx 安裝方式，需 Node 20 以上版本。
安裝前請注意
結果為估算而非稅務建議，且僅涵蓋單一受僱的薪資所得；儲蓄、股利、實物福利與多項免稅額未納入模型。數據以年度計算，薪資單金額可能略有差異。僅支援 2025/26 與 2026/27 稅務年度。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 UK Income Tax and Salary，將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/io.github.theluckystrike%2Fuk-income-tax-salary-mcp/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "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

More data servers from the same author

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

來源：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.

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數stepregiontax_codetax_yearni_categorygross_salary必填pension_amountpension_methodpension_percentstudent_loan_plans

版本歷史

1
  1. v1.0.0最新Oct 30, 2026

評分

已滿足適用檢查項的 100%

該評分衡量此收錄條目的完整程度，依據註冊中心條目、端點與公開來源計算得出。它不是對伺服器本身的評價，也不表示伺服器安全或目前可用：可連通性是帶日期的檢查結果，評分也不包含安裝量或使用者評價。

  • 近 30 天內可連通必需25 分
  • 已宣告認證方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 圖示10 分
  • 文件15 分
  • 授權條款10 分