The problem
"What will I actually take home?" sounds like a simple question, but a correct UK answer depends on where you live, which student loan plans you're repaying, how your pension is taken, and whether you've crossed thresholds like £100k or the child benefit charge. A single headline number, with no working shown, is hard to check.
TakeHome API puts those rules behind one endpoint for developers and AI agents. Every result shows its sources, assumptions and band-by-band workings, so a person or an agent can see how each figure was reached.
What it calculates
Tax years 2025-26 and 2026-27.
- England, Wales and Northern Ireland income tax, plus all six Scottish bands
- National Insurance
- Student loan Plans 1, 2, 4, 5 and postgrad
- Pensions via salary sacrifice, net pay and relief at source
- The £100k personal-allowance taper (the 60% trap up to £125,140)
- High Income Child Benefit Charge
One call, full workings
A £60,000 salary in Scotland, repaying a Plan 2 student loan, with 5% pension via salary sacrifice. The response returns net pay by year, month and week, band-by-band income tax workings, its assumptions, and the GOV.UK pages it's based on.
POST https://api.takehomeapi.com/v1/take-home
{
"grossSalary": 60000,
"region": "scotland",
"studentLoans": ["plan2"],
"pension": { "percent": 5, "method": "salary_sacrifice" }
}{
"data": {
"incomeTax": {
"total": <amount>,
"bands": [<band-by-band workings>]
},
"nationalInsurance": <amount>,
"studentLoan": <amount>,
"pension": { ... },
"netPay": { "annual": <amount>, "monthly": <amount>, "weekly": <amount> },
"effectiveRate": <rate>,
"marginalRate": <rate>,
"assumptions": [ ... ],
"sources": [<GOV.UK URLs>]
}
}Request based on the takehomeapi.com quick start. The response is an illustrative outline of the fields returned, not real output; see takehomeapi.com for live results. Estimates based on published HMRC and Scottish Government rates, not tax advice.
Built for developers and AI agents
OpenAPI
A published OpenAPI spec, so developers can generate a client or import it straight into their tooling.
View the OpenAPI spec (opens in a new tab)MCP
A remote MCP server, so assistants like Claude, ChatGPT and Cursor can call the calculation tools directly.
x402
AI agents can skip signup and pay per call in USDC over x402: call without a key, read the 402 terms, pay, retry.
Sourced from GOV.UK
Rates come from published HMRC and Scottish Government guidance, and each result cites the pages it used:
- Income Tax rates and allowances (opens in a new tab)
- Rates and thresholds for employers 2026 to 2027 (opens in a new tab)
- Repaying your student loan: what you pay (opens in a new tab)
- High Income Child Benefit Charge (opens in a new tab)
- Scottish income tax rates and bands 2026 to 2027 (opens in a new tab)
Plans, API keys and full documentation live on takehomeapi.com (opens in a new tab).