Scotsaver \u2014 Scotland Take-Home Pay Calculator<\/title>\n<style>\n @import url('https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');\n :root{\n --loch:#0B2942; --loch-deep:#071B2E; --ember:#D9642C; --ember-light:#F0925C;\n --mist:#A9B7BE; --heather:#8574A6; --parchment:#F6F1E7; --parchment-dim:#EDE6D6;\n --ink:#16202B; --good:#3E8E5A;\n }\n *{ box-sizing:border-box; }\n body{ margin:0; font-family:'Inter',-apple-system,sans-serif; background:var(--parchment); color:var(--ink); line-height:1.5; }\n h1,h2,h3{ font-family:'Space Grotesk','Inter',sans-serif; font-weight:700; letter-spacing:-0.02em; }\n .gauge{ height:6px; width:100%; background:linear-gradient(90deg,var(--loch) 0%,var(--heather) 45%,var(--ember) 100%); }\n nav{ display:flex; align-items:center; justify-content:space-between; padding:18px 6vw; background:var(--loch-deep); color:var(--parchment); }\n .brand{ font-family:'Space Grotesk',sans-serif; font-weight:700; 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color:var(--loch); }\n .breakdown-row.deduction .val{ color:var(--ember); }\n .period-tabs{ display:flex; gap:8px; margin-top:18px; }\n .period-tab{ flex:1; text-align:center; padding:8px; border:1.5px solid var(--parchment-dim); border-radius:4px; font-size:12.5px; cursor:pointer; }\n .period-tab.active{ background:var(--loch); color:white; border-color:var(--loch); }\n\n .band-note{ font-size:12px; color:#7c8792; margin-top:18px; line-height:1.5; }\n\n footer{ padding:30px 6vw 40px; font-size:12px; color:#7c8792; max-width:820px; }\n<\/style>\n <script defer data-domain=\"scotsaver.co.uk\" src=\"https:\/\/plausible.io\/js\/script.js\"><\/script>\n<\/head>\n<body>\n\n<div class=\"gauge\"><\/div>\n<nav>\n <a href=\"index.html\" class=\"brand\">Scot<span>saver<\/span><\/a>\n <a href=\"index.html\" class=\"backlink\">\u2190 All tools<\/a>\n<\/nav>\n\n<section class=\"hero\">\n <div class=\"hero-inner\">\n <div class=\"eyebrow\">2026\/27 tax year<\/div>\n <h1 class=\"headline\">What’s your real take-home pay in Scotland?<\/h1>\n <p class=\"sub\">Scotland has its own income tax bands \u2014 six rates instead of the rest of the UK’s three. Enter your salary to see exactly what lands in your bank account each month.<\/p>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"layout\">\n <div class=\"tool-wrap\">\n <div class=\"tool-top\">Your income<\/div>\n <div class=\"tool-body\">\n\n <div class=\"field-group\" style=\"margin-bottom:24px;\">\n <label class=\"q\" style=\"font-size:14px; color:var(--loch); font-weight:600; margin-bottom:9px; display:block;\">How do you want to calculate?<\/label>\n <div class=\"option-grid\" data-group=\"mode\" id=\"modeToggle\">\n <div class=\"opt selected\" data-value=\"salary\">Annual salary<\/div>\n <div class=\"opt\" data-value=\"hourly\">Hourly rate + hours worked<\/div>\n <\/div>\n <\/div>\n\n <div id=\"salaryFields\">\n <div class=\"field\">\n <label>Annual gross salary (\u00a3)<\/label>\n <input type=\"number\" id=\"salary\" placeholder=\"e.g. 32000\" value=\"32000\">\n <\/div>\n <\/div>\n\n <div id=\"hourlyFields\" style=\"display:none;\">\n <div class=\"field\">\n <label>Hourly rate (\u00a3)<\/label>\n <input type=\"number\" id=\"hourlyRate\" placeholder=\"e.g. 14.50\" value=\"14.50\" step=\"0.01\">\n <\/div>\n <div class=\"field\">\n <label>Hours worked this month<\/label>\n <input type=\"number\" id=\"hoursWorked\" placeholder=\"e.g. 160\" value=\"160\">\n <\/div>\n <div class=\"hint\" style=\"margin-top:-10px; margin-bottom:22px;\">Tip: full-time is roughly 160 hours\/month (37.5 hrs\/week \u00d7 ~4.33 weeks). We’ll project this across the year to work out your tax band.<\/div>\n <\/div>\n\n <div class=\"field\">\n <label>Pension contribution (% of salary, salary sacrifice)<\/label>\n <input type=\"number\" id=\"pension\" placeholder=\"e.g. 5\" value=\"5\">\n <\/div>\n\n <div class=\"field\">\n <label>Student loan plan<\/label>\n <div class=\"toggle-row\" id=\"loanToggle\">\n <div class=\"toggle-opt selected\" data-value=\"none\">None<\/div>\n <div class=\"toggle-opt\" data-value=\"plan1\">Plan 1<\/div>\n <div class=\"toggle-opt\" data-value=\"plan4\">Plan 4 (Scotland)<\/div>\n <div class=\"toggle-opt\" data-value=\"plan2\">Plan 2<\/div>\n <\/div>\n <\/div>\n\n <button class=\"btn\" id=\"calcBtn\">Calculate my take-home pay<\/button>\n\n <div class=\"band-note\">Estimate only \u2014 based on standard tax code, no marriage allowance, benefits-in-kind, or other adjustments. National Insurance is set UK-wide and doesn’t vary by nation.<\/div>\n <\/div>\n <\/div>\n\n <div class=\"results-wrap\">\n <div class=\"results-top\">\n <div class=\"big-num\" id=\"monthlyTakeHome\">\u00a30<\/div>\n <div class=\"big-lbl\">take-home per month<\/div>\n <\/div>\n <div class=\"results-body\">\n <div class=\"period-tabs\">\n <div class=\"period-tab active\" data-period=\"monthly\">Monthly<\/div>\n <div class=\"period-tab\" data-period=\"annual\">Annual<\/div>\n <div class=\"period-tab\" data-period=\"weekly\">Weekly<\/div>\n <\/div>\n <div class=\"hint\" id=\"hourlyNote\" style=\"display:none; margin-top:14px; margin-bottom:-6px;\"><\/div>\n <div style=\"margin-top:20px;\">\n <div class=\"breakdown-row\"><span class=\"lbl\">Gross pay<\/span><span class=\"val\" id=\"rowGross\">\u00a30<\/span><\/div>\n <div class=\"breakdown-row deduction\"><span class=\"lbl\">Income Tax<\/span><span class=\"val\" id=\"rowTax\">\u2212\u00a30<\/span><\/div>\n <div class=\"breakdown-row deduction\"><span class=\"lbl\">National Insurance<\/span><span class=\"val\" id=\"rowNI\">\u2212\u00a30<\/span><\/div>\n <div class=\"breakdown-row deduction\"><span class=\"lbl\">Pension<\/span><span class=\"val\" id=\"rowPension\">\u2212\u00a30<\/span><\/div>\n <div class=\"breakdown-row deduction\" id=\"rowLoanWrap\" style=\"display:none;\"><span class=\"lbl\">Student Loan<\/span><span class=\"val\" id=\"rowLoan\">\u2212\u00a30<\/span><\/div>\n <div class=\"breakdown-row\"><span class=\"lbl\" style=\"font-weight:700; color:var(--loch);\">Take-home pay<\/span><span class=\"val\" id=\"rowNet\" style=\"color:var(--good); font-size:16px;\">\u00a30<\/span><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<footer>\n Scotsaver is an independent guide. Figures use published 2026\/27 Scottish Income Tax bands and UK-wide National Insurance rates and are estimates for guidance only \u2014 always check your actual payslip or HMRC’s official calculator for precise figures. Sources: mygov.scot, Scottish Government Budget 2026\/27.\n<\/footer>\n\n<script>\n const bands = [\n {limit: 12570, rate: 0},\n {limit: 16537, rate: 0.19},\n {limit: 29526, rate: 0.20},\n {limit: 43662, rate: 0.21},\n {limit: 75000, rate: 0.42},\n {limit: 125140, rate: 0.45},\n {limit: Infinity, rate: 0.48}\n ];\n\n function calcIncomeTax(taxable){\n let tax = 0;\n let lower = 0;\n for(const b of bands){\n if(taxable > lower){\n const upper = Math.min(taxable, b.limit);\n tax += (upper - lower) * b.rate;\n lower = b.limit;\n } else break;\n }\n return tax;\n }\n\n function calcNI(gross){\n const lowerThreshold = 12570;\n const upperThreshold = 50270;\n let ni = 0;\n if(gross > lowerThreshold){\n ni += (Math.min(gross, upperThreshold) - lowerThreshold) * 0.08;\n }\n if(gross > upperThreshold){\n ni += (gross - upperThreshold) * 0.02;\n }\n return ni;\n }\n\n function calcStudentLoan(gross, plan){\n if(plan === 'none') return 0;\n const thresholds = { plan1: 26065, plan2: 28470, plan4: 32745 };\n const threshold = thresholds[plan];\n if(gross <= threshold) return 0;\n return (gross - threshold) * 0.09;\n }\n\n let activeLoanPlan = 'none';\n let activePeriod = 'monthly';\n let lastResult = null;\n\n document.getElementById('loanToggle').addEventListener('click', (e)=>{\n const opt = e.target.closest('.toggle-opt');\n if(!opt) return;\n document.querySelectorAll('#loanToggle .toggle-opt').forEach(o=>o.classList.remove('selected'));\n opt.classList.add('selected');\n activeLoanPlan = opt.dataset.value;\n });\n\n document.querySelectorAll('.period-tab').forEach(tab=>{\n tab.addEventListener('click', ()=>{\n document.querySelectorAll('.period-tab').forEach(t=>t.classList.remove('active'));\n tab.classList.add('active');\n activePeriod = tab.dataset.period;\n if(lastResult) renderResults(lastResult);\n });\n });\n\n let activeMode = 'salary';\n document.getElementById('modeToggle').addEventListener('click', (e)=>{\n const opt = e.target.closest('.opt');\n if(!opt) return;\n document.querySelectorAll('#modeToggle .opt').forEach(o=>o.classList.remove('selected'));\n opt.classList.add('selected');\n activeMode = opt.dataset.value;\n document.getElementById('salaryFields').style.display = activeMode === 'salary' ? 'block' : 'none';\n document.getElementById('hourlyFields').style.display = activeMode === 'hourly' ? 'block' : 'none';\n if(activeMode === 'hourly'){\n document.querySelectorAll('.period-tab').forEach(t=>t.classList.remove('active'));\n document.querySelector('.period-tab[data-period=\"monthly\"]').classList.add('active');\n activePeriod = 'monthly';\n }\n });\n\n function calculate(){\n let grossAnnual;\n if(activeMode === 'hourly'){\n const rate = parseFloat(document.getElementById('hourlyRate').value) || 0;\n const hours = parseFloat(document.getElementById('hoursWorked').value) || 0;\n grossAnnual = rate * hours * 12; \/\/ project this month's pay across the year\n const note = document.getElementById('hourlyNote');\n note.style.display = 'block';\n note.innerHTML = 'Based on <b>' + hours + ' hours<\/b> at <b>\u00a3' + rate.toFixed(2) + '\/hr<\/b> = <b>\u00a3' + (rate*hours).toLocaleString(undefined,{maximumFractionDigits:0}) + ' gross this month<\/b>, projected across the year to work out your tax band.';\n } else {\n document.getElementById('hourlyNote').style.display = 'none';\n grossAnnual = parseFloat(document.getElementById('salary').value) || 0;\n }\n const pensionPct = parseFloat(document.getElementById('pension').value) || 0;\n\n const pensionAmount = grossAnnual * (pensionPct \/ 100);\n const taxableGross = grossAnnual - pensionAmount; \/\/ salary sacrifice reduces taxable & NI-able pay\n\n \/\/ personal allowance taper above \u00a3100,000\n let personalAllowance = 12570;\n if(taxableGross > 100000){\n const reduction = Math.floor((taxableGross - 100000) \/ 2);\n personalAllowance = Math.max(0, 12570 - reduction);\n }\n const paShift = 12570 - personalAllowance;\n const adjustedBands = bands.map((b,i) => i === 0 ? {...b, limit: personalAllowance} : {...b, limit: b.limit - paShift});\n\n let tax = 0, lower = 0;\n for(const b of adjustedBands){\n if(taxableGross > lower){\n const upper = Math.min(taxableGross, b.limit);\n tax += Math.max(0, upper - lower) * b.rate;\n lower = b.limit;\n } else break;\n }\n\n const ni = calcNI(taxableGross);\n const loan = calcStudentLoan(taxableGross, activeLoanPlan);\n const netAnnual = grossAnnual - tax - ni - pensionAmount - loan;\n\n lastResult = {\n gross: grossAnnual, tax, ni, pension: pensionAmount, loan, net: netAnnual\n };\n if(window.plausible) plausible('Take-Home Pay: Calculated', {props: {mode: activeMode}});\n renderResults(lastResult);\n }\n\n function fmt(n){\n return '\u00a3' + Math.round(n).toLocaleString();\n }\n\n function renderResults(r){\n const divisor = activePeriod === 'annual' ? 1 : (activePeriod === 'monthly' ? 12 : 52);\n document.getElementById('monthlyTakeHome').textContent = fmt(r.net \/ divisor);\n document.querySelector('.big-lbl').textContent = 'take-home per ' + (activePeriod === 'annual' ? 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'month' : 'week');\n\n document.getElementById('rowGross').textContent = fmt(r.gross \/ divisor);\n document.getElementById('rowTax').textContent = '\u2212' + fmt(r.tax \/ divisor);\n document.getElementById('rowNI').textContent = '\u2212' + fmt(r.ni \/ divisor);\n document.getElementById('rowPension').textContent = '\u2212' + fmt(r.pension \/ divisor);\n document.getElementById('rowNet').textContent = fmt(r.net \/ divisor);\n\n const loanWrap = document.getElementById('rowLoanWrap');\n if(r.loan > 0){\n loanWrap.style.display = 'flex';\n document.getElementById('rowLoan').textContent = '\u2212' + fmt(r.loan \/ divisor);\n } else {\n loanWrap.style.display = 'none';\n }\n }\n\n document.getElementById('calcBtn').addEventListener('click', calculate);\n calculate();\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Scotsaver \u2014 Scotland Take-Home Pay Calculator Scotsaver \u2190 All tools 2026\/27 tax year What’s your real take-home pay in Scotland? Scotland has its own income tax bands \u2014 six rates instead of the rest of the UK’s three. Enter your salary to see exactly what lands in your bank account each month. Your income How […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-263","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\n<title>Take-Home Pay Calculator - Scotsaver<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scotsaver.co.uk\/?page_id=263\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Take-Home Pay Calculator - Scotsaver\" \/>\n<meta property=\"og:description\" content=\"Scotsaver \u2014 Scotland Take-Home Pay Calculator Scotsaver \u2190 All tools 2026\/27 tax year What’s your real take-home pay in Scotland? Scotland has its own income tax bands \u2014 six rates instead of the rest of the UK’s three. Enter your salary to see exactly what lands in your bank account each month. 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Scotland has its own income tax bands \u2014 six rates instead of the rest of the UK’s three. Enter your salary to see exactly what lands in your bank account each month. Your income How […]","og_url":"https:\/\/scotsaver.co.uk\/?page_id=263","og_site_name":"Scotsaver","article_modified_time":"2026-07-21T19:48:45+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/scotsaver.co.uk\/?page_id=263","url":"https:\/\/scotsaver.co.uk\/?page_id=263","name":"Take-Home Pay Calculator - Scotsaver","isPartOf":{"@id":"https:\/\/scotsaver.co.uk\/#website"},"datePublished":"2026-07-21T19:48:44+00:00","dateModified":"2026-07-21T19:48:45+00:00","breadcrumb":{"@id":"https:\/\/scotsaver.co.uk\/?page_id=263#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/scotsaver.co.uk\/?page_id=263"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/scotsaver.co.uk\/?page_id=263#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/scotsaver.co.uk\/?page_id=238"},{"@type":"ListItem","position":2,"name":"Take-Home Pay Calculator"}]},{"@type":"WebSite","@id":"https:\/\/scotsaver.co.uk\/#website","url":"https:\/\/scotsaver.co.uk\/","name":"Scotsaver","description":"My WordPress Blog","publisher":{"@id":"https:\/\/scotsaver.co.uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/scotsaver.co.uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/scotsaver.co.uk\/#organization","name":"Scotsaver","url":"https:\/\/scotsaver.co.uk\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/scotsaver.co.uk\/#\/schema\/logo\/image\/","url":"https:\/\/scotsaver.co.uk\/wp-content\/uploads\/2025\/03\/cropped-IMG_6432.png","contentUrl":"https:\/\/scotsaver.co.uk\/wp-content\/uploads\/2025\/03\/cropped-IMG_6432.png","width":499,"height":167,"caption":"Scotsaver"},"image":{"@id":"https:\/\/scotsaver.co.uk\/#\/schema\/logo\/image\/"}}]}},"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"mailpoet_newsletter_max":false},"uagb_author_info":{"display_name":"MrSamm","author_link":"https:\/\/scotsaver.co.uk\/?author=1"},"uagb_comment_info":0,"uagb_excerpt":"Scotsaver \u2014 Scotland Take-Home Pay Calculator Scotsaver \u2190 All tools 2026\/27 tax year What’s your real take-home pay in Scotland? Scotland has its own income tax bands \u2014 six rates instead of the rest of the UK’s three. Enter your salary to see exactly what lands in your bank account each month. Your income How…","_links":{"self":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/263","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=263"}],"version-history":[{"count":1,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/263\/revisions"}],"predecessor-version":[{"id":264,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/263\/revisions\/264"}],"wp:attachment":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=263"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":263,"date":"2026-07-21T19:48:44","date_gmt":"2026-07-21T19:48:44","guid":{"rendered":"https:\/\/scotsaver.co.uk\/?page_id=263"},"modified":"2026-07-21T19:48:45","modified_gmt":"2026-07-21T19:48:45","slug":"take-home-pay-calculator","status":"publish","type":"page","link":"https:\/\/scotsaver.co.uk\/?page_id=263","title":{"rendered":"Take-Home Pay Calculator"},"content":{"rendered":"\n\n\n\n\n\nScotsaver \u2014 Scotland Take-Home Pay Calculator<\/title>\n<style>\n @import url('https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');\n :root{\n --loch:#0B2942; --loch-deep:#071B2E; --ember:#D9642C; --ember-light:#F0925C;\n --mist:#A9B7BE; --heather:#8574A6; --parchment:#F6F1E7; --parchment-dim:#EDE6D6;\n --ink:#16202B; --good:#3E8E5A;\n }\n *{ box-sizing:border-box; }\n body{ margin:0; font-family:'Inter',-apple-system,sans-serif; background:var(--parchment); color:var(--ink); line-height:1.5; }\n h1,h2,h3{ font-family:'Space Grotesk','Inter',sans-serif; 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font-size:34px; font-weight:700; }\n .results-top .big-lbl{ font-size:12.5px; opacity:.9; margin-top:2px; }\n .results-body{ padding:24px 28px; }\n .breakdown-row{ display:flex; justify-content:space-between; padding:10px 0; border-bottom:1px solid var(--parchment-dim); font-size:14px; }\n .breakdown-row:last-child{ border-bottom:none; }\n .breakdown-row .lbl{ color:#4a565f; }\n .breakdown-row .val{ font-weight:600; color:var(--loch); }\n .breakdown-row.deduction .val{ color:var(--ember); }\n .period-tabs{ display:flex; gap:8px; margin-top:18px; }\n .period-tab{ flex:1; text-align:center; padding:8px; border:1.5px solid var(--parchment-dim); border-radius:4px; font-size:12.5px; cursor:pointer; }\n .period-tab.active{ background:var(--loch); color:white; border-color:var(--loch); }\n\n .band-note{ font-size:12px; color:#7c8792; margin-top:18px; line-height:1.5; }\n\n footer{ padding:30px 6vw 40px; font-size:12px; color:#7c8792; max-width:820px; }\n<\/style>\n <script defer data-domain=\"scotsaver.co.uk\" src=\"https:\/\/plausible.io\/js\/script.js\"><\/script>\n<\/head>\n<body>\n\n<div class=\"gauge\"><\/div>\n<nav>\n <a href=\"index.html\" class=\"brand\">Scot<span>saver<\/span><\/a>\n <a href=\"index.html\" class=\"backlink\">\u2190 All tools<\/a>\n<\/nav>\n\n<section class=\"hero\">\n <div class=\"hero-inner\">\n <div class=\"eyebrow\">2026\/27 tax year<\/div>\n <h1 class=\"headline\">What’s your real take-home pay in Scotland?<\/h1>\n <p class=\"sub\">Scotland has its own income tax bands \u2014 six rates instead of the rest of the UK’s three. Enter your salary to see exactly what lands in your bank account each month.<\/p>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"layout\">\n <div class=\"tool-wrap\">\n <div class=\"tool-top\">Your income<\/div>\n <div class=\"tool-body\">\n\n <div class=\"field-group\" style=\"margin-bottom:24px;\">\n <label class=\"q\" style=\"font-size:14px; color:var(--loch); font-weight:600; margin-bottom:9px; display:block;\">How do you want to calculate?<\/label>\n <div class=\"option-grid\" data-group=\"mode\" id=\"modeToggle\">\n <div class=\"opt selected\" data-value=\"salary\">Annual salary<\/div>\n <div class=\"opt\" data-value=\"hourly\">Hourly rate + hours worked<\/div>\n <\/div>\n <\/div>\n\n <div id=\"salaryFields\">\n <div class=\"field\">\n <label>Annual gross salary (\u00a3)<\/label>\n <input type=\"number\" id=\"salary\" placeholder=\"e.g. 32000\" value=\"32000\">\n <\/div>\n <\/div>\n\n <div id=\"hourlyFields\" style=\"display:none;\">\n <div class=\"field\">\n <label>Hourly rate (\u00a3)<\/label>\n <input type=\"number\" id=\"hourlyRate\" placeholder=\"e.g. 14.50\" value=\"14.50\" step=\"0.01\">\n <\/div>\n <div class=\"field\">\n <label>Hours worked this month<\/label>\n <input type=\"number\" id=\"hoursWorked\" placeholder=\"e.g. 160\" value=\"160\">\n <\/div>\n <div class=\"hint\" style=\"margin-top:-10px; margin-bottom:22px;\">Tip: full-time is roughly 160 hours\/month (37.5 hrs\/week \u00d7 ~4.33 weeks). We’ll project this across the year to work out your tax band.<\/div>\n <\/div>\n\n <div class=\"field\">\n <label>Pension contribution (% of salary, salary sacrifice)<\/label>\n <input type=\"number\" id=\"pension\" placeholder=\"e.g. 5\" value=\"5\">\n <\/div>\n\n <div class=\"field\">\n <label>Student loan plan<\/label>\n <div class=\"toggle-row\" id=\"loanToggle\">\n <div class=\"toggle-opt selected\" data-value=\"none\">None<\/div>\n <div class=\"toggle-opt\" data-value=\"plan1\">Plan 1<\/div>\n <div class=\"toggle-opt\" data-value=\"plan4\">Plan 4 (Scotland)<\/div>\n <div class=\"toggle-opt\" data-value=\"plan2\">Plan 2<\/div>\n <\/div>\n <\/div>\n\n <button class=\"btn\" id=\"calcBtn\">Calculate my take-home pay<\/button>\n\n <div class=\"band-note\">Estimate only \u2014 based on standard tax code, no marriage allowance, benefits-in-kind, or other adjustments. National Insurance is set UK-wide and doesn’t vary by nation.<\/div>\n <\/div>\n <\/div>\n\n <div class=\"results-wrap\">\n <div class=\"results-top\">\n <div class=\"big-num\" id=\"monthlyTakeHome\">\u00a30<\/div>\n <div class=\"big-lbl\">take-home per month<\/div>\n <\/div>\n <div class=\"results-body\">\n <div class=\"period-tabs\">\n <div class=\"period-tab active\" data-period=\"monthly\">Monthly<\/div>\n <div class=\"period-tab\" data-period=\"annual\">Annual<\/div>\n <div class=\"period-tab\" data-period=\"weekly\">Weekly<\/div>\n <\/div>\n <div class=\"hint\" id=\"hourlyNote\" style=\"display:none; margin-top:14px; margin-bottom:-6px;\"><\/div>\n <div style=\"margin-top:20px;\">\n <div class=\"breakdown-row\"><span class=\"lbl\">Gross pay<\/span><span class=\"val\" id=\"rowGross\">\u00a30<\/span><\/div>\n <div class=\"breakdown-row deduction\"><span class=\"lbl\">Income Tax<\/span><span class=\"val\" id=\"rowTax\">\u2212\u00a30<\/span><\/div>\n <div class=\"breakdown-row deduction\"><span class=\"lbl\">National Insurance<\/span><span class=\"val\" id=\"rowNI\">\u2212\u00a30<\/span><\/div>\n <div class=\"breakdown-row deduction\"><span class=\"lbl\">Pension<\/span><span class=\"val\" id=\"rowPension\">\u2212\u00a30<\/span><\/div>\n <div class=\"breakdown-row deduction\" id=\"rowLoanWrap\" style=\"display:none;\"><span class=\"lbl\">Student Loan<\/span><span class=\"val\" id=\"rowLoan\">\u2212\u00a30<\/span><\/div>\n <div class=\"breakdown-row\"><span class=\"lbl\" style=\"font-weight:700; color:var(--loch);\">Take-home pay<\/span><span class=\"val\" id=\"rowNet\" style=\"color:var(--good); font-size:16px;\">\u00a30<\/span><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<footer>\n Scotsaver is an independent guide. Figures use published 2026\/27 Scottish Income Tax bands and UK-wide National Insurance rates and are estimates for guidance only \u2014 always check your actual payslip or HMRC’s official calculator for precise figures. Sources: mygov.scot, Scottish Government Budget 2026\/27.\n<\/footer>\n\n<script>\n const bands = [\n {limit: 12570, rate: 0},\n {limit: 16537, rate: 0.19},\n {limit: 29526, rate: 0.20},\n {limit: 43662, rate: 0.21},\n {limit: 75000, rate: 0.42},\n {limit: 125140, rate: 0.45},\n {limit: Infinity, rate: 0.48}\n ];\n\n function calcIncomeTax(taxable){\n let tax = 0;\n let lower = 0;\n for(const b of bands){\n if(taxable > lower){\n const upper = Math.min(taxable, b.limit);\n tax += (upper - lower) * b.rate;\n lower = b.limit;\n } else break;\n }\n return tax;\n }\n\n function calcNI(gross){\n const lowerThreshold = 12570;\n const upperThreshold = 50270;\n let ni = 0;\n if(gross > lowerThreshold){\n ni += (Math.min(gross, upperThreshold) - lowerThreshold) * 0.08;\n }\n if(gross > upperThreshold){\n ni += (gross - upperThreshold) * 0.02;\n }\n return ni;\n }\n\n function calcStudentLoan(gross, plan){\n if(plan === 'none') return 0;\n const thresholds = { plan1: 26065, plan2: 28470, plan4: 32745 };\n const threshold = thresholds[plan];\n if(gross <= threshold) return 0;\n return (gross - threshold) * 0.09;\n }\n\n let activeLoanPlan = 'none';\n let activePeriod = 'monthly';\n let lastResult = null;\n\n document.getElementById('loanToggle').addEventListener('click', (e)=>{\n const opt = e.target.closest('.toggle-opt');\n if(!opt) return;\n document.querySelectorAll('#loanToggle .toggle-opt').forEach(o=>o.classList.remove('selected'));\n opt.classList.add('selected');\n activeLoanPlan = opt.dataset.value;\n });\n\n document.querySelectorAll('.period-tab').forEach(tab=>{\n tab.addEventListener('click', ()=>{\n document.querySelectorAll('.period-tab').forEach(t=>t.classList.remove('active'));\n tab.classList.add('active');\n activePeriod = tab.dataset.period;\n if(lastResult) renderResults(lastResult);\n });\n });\n\n let activeMode = 'salary';\n document.getElementById('modeToggle').addEventListener('click', (e)=>{\n const opt = e.target.closest('.opt');\n if(!opt) return;\n document.querySelectorAll('#modeToggle .opt').forEach(o=>o.classList.remove('selected'));\n opt.classList.add('selected');\n activeMode = opt.dataset.value;\n document.getElementById('salaryFields').style.display = activeMode === 'salary' ? 'block' : 'none';\n document.getElementById('hourlyFields').style.display = activeMode === 'hourly' ? 'block' : 'none';\n if(activeMode === 'hourly'){\n document.querySelectorAll('.period-tab').forEach(t=>t.classList.remove('active'));\n document.querySelector('.period-tab[data-period=\"monthly\"]').classList.add('active');\n activePeriod = 'monthly';\n }\n });\n\n function calculate(){\n let grossAnnual;\n if(activeMode === 'hourly'){\n const rate = parseFloat(document.getElementById('hourlyRate').value) || 0;\n const hours = parseFloat(document.getElementById('hoursWorked').value) || 0;\n grossAnnual = rate * hours * 12; \/\/ project this month's pay across the year\n const note = document.getElementById('hourlyNote');\n note.style.display = 'block';\n note.innerHTML = 'Based on <b>' + hours + ' hours<\/b> at <b>\u00a3' + rate.toFixed(2) + '\/hr<\/b> = <b>\u00a3' + (rate*hours).toLocaleString(undefined,{maximumFractionDigits:0}) + ' gross this month<\/b>, projected across the year to work out your tax band.';\n } else {\n document.getElementById('hourlyNote').style.display = 'none';\n grossAnnual = parseFloat(document.getElementById('salary').value) || 0;\n }\n const pensionPct = parseFloat(document.getElementById('pension').value) || 0;\n\n const pensionAmount = grossAnnual * (pensionPct \/ 100);\n const taxableGross = grossAnnual - pensionAmount; \/\/ salary sacrifice reduces taxable & NI-able pay\n\n \/\/ personal allowance taper above \u00a3100,000\n let personalAllowance = 12570;\n if(taxableGross > 100000){\n const reduction = Math.floor((taxableGross - 100000) \/ 2);\n personalAllowance = Math.max(0, 12570 - reduction);\n }\n const paShift = 12570 - personalAllowance;\n const adjustedBands = bands.map((b,i) => i === 0 ? {...b, limit: personalAllowance} : {...b, limit: b.limit - paShift});\n\n let tax = 0, lower = 0;\n for(const b of adjustedBands){\n if(taxableGross > lower){\n const upper = Math.min(taxableGross, b.limit);\n tax += Math.max(0, upper - lower) * b.rate;\n lower = b.limit;\n } else break;\n }\n\n const ni = calcNI(taxableGross);\n const loan = calcStudentLoan(taxableGross, activeLoanPlan);\n const netAnnual = grossAnnual - tax - ni - pensionAmount - loan;\n\n lastResult = {\n gross: grossAnnual, tax, ni, pension: pensionAmount, loan, net: netAnnual\n };\n if(window.plausible) plausible('Take-Home Pay: Calculated', {props: {mode: activeMode}});\n renderResults(lastResult);\n }\n\n function fmt(n){\n return '\u00a3' + Math.round(n).toLocaleString();\n }\n\n function renderResults(r){\n const divisor = activePeriod === 'annual' ? 1 : (activePeriod === 'monthly' ? 12 : 52);\n document.getElementById('monthlyTakeHome').textContent = fmt(r.net \/ divisor);\n document.querySelector('.big-lbl').textContent = 'take-home per ' + (activePeriod === 'annual' ? 'year' : activePeriod === 'monthly' ? 'month' : 'week');\n\n document.getElementById('rowGross').textContent = fmt(r.gross \/ divisor);\n document.getElementById('rowTax').textContent = '\u2212' + fmt(r.tax \/ divisor);\n document.getElementById('rowNI').textContent = '\u2212' + fmt(r.ni \/ divisor);\n document.getElementById('rowPension').textContent = '\u2212' + fmt(r.pension \/ divisor);\n document.getElementById('rowNet').textContent = fmt(r.net \/ divisor);\n\n const loanWrap = document.getElementById('rowLoanWrap');\n if(r.loan > 0){\n loanWrap.style.display = 'flex';\n document.getElementById('rowLoan').textContent = '\u2212' + fmt(r.loan \/ divisor);\n } else {\n loanWrap.style.display = 'none';\n }\n }\n\n document.getElementById('calcBtn').addEventListener('click', calculate);\n calculate();\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Scotsaver \u2014 Scotland Take-Home Pay Calculator Scotsaver \u2190 All tools 2026\/27 tax year What’s your real take-home pay in Scotland? Scotland has its own income tax bands \u2014 six rates instead of the rest of the UK’s three. Enter your salary to see exactly what lands in your bank account each month. Your income How […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-263","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\n<title>Take-Home Pay Calculator - Scotsaver<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scotsaver.co.uk\/?page_id=263\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Take-Home Pay Calculator - Scotsaver\" \/>\n<meta property=\"og:description\" content=\"Scotsaver \u2014 Scotland Take-Home Pay Calculator Scotsaver \u2190 All tools 2026\/27 tax year What’s your real take-home pay in Scotland? Scotland has its own income tax bands \u2014 six rates instead of the rest of the UK’s three. Enter your salary to see exactly what lands in your bank account each month. 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