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

Review schedule

Current tax, payroll and student-loan rules were last verified on 1 August 2026. The next scheduled review is 1 November 2026, with an earlier review after a fiscal statement or official rates update.

Calculations are estimates and are not tax or financial advice.