Sources & methodology

The calculator’s thresholds are recorded in versioned tax-year configurations and sourced from official UK and Scottish Government publications.

• Income Tax rates and Personal Allowances
• Scottish Income Tax rates and bands for 2026–27
• National Insurance rates and thresholds for 2026–27
• Student and postgraduate loan deduction tables for 2026–27

Last verified: 26 July 2026. Calculations are estimates and are not tax or financial advice.