Scotland take-home pay calculator
Enter your salary and see what lands in your account after Scottish income tax, National Insurance, student loans and pension, every week, month and year.
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Live in England, Wales or Northern Ireland? Use the UK calculator.
Common questions
How is take-home pay worked out?
Your gross pay, less income tax on everything above your £12,570 personal allowance, National Insurance (8% between £12,570 and £50,270, then 2%), any student loan repayments, and your pension contribution.
How is Scottish income tax different?
Scotland has six bands for 2026/27: 19% to £16,537, 20% to £29,526, 21% to £43,662, 42% to £75,000, 45% to £125,140 and 48% above. National Insurance and student loans are the same as the rest of the UK.
Why does my allowance shrink over £100,000?
You lose £1 of the £12,570 personal allowance for every £2 you earn over £100,000, so it’s gone at £125,140. Paying more into your pension can bring your income back under the line.
Which pension type should I pick?
Most workplace schemes use net pay (taken before tax) or salary sacrifice (before tax and National Insurance). Personal pensions and some workplace ones use relief at source: you pay from taxed pay and the provider adds 20%. Auto-enrolment works on qualifying earnings between £6,240 and £50,270.
What do the student loan plans mean?
Plan 1 is for older English and Welsh loans and Northern Ireland, Plan 2 for English and Welsh courses from 2012, Plan 4 for Scotland and Plan 5 for English courses from 2023. You repay 9% of pay over your plan’s threshold, plus 6% over £21,000 for a postgraduate loan.