uk-income-tax-salary-mcp

An MCP server that works out UK income tax and take-home pay on a salary for 2025/26 and 2026/27, with the Scottish bands, National Insurance, student loans, pension and the 60% tax trap, using HMRC's published rates.

Hosted endpoint, no sign-in and no token:

https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp

Tools

Every result has structured JSON, a plain-English summary, as_of, source (the gov.uk or HMRC page) and more (a calculator page on ukmoneycalc.com).

What it knows that your model does not

• The 2026/27 Scottish bands. The starter band now runs to £16,537 and the basic band to £29,526 (2025/26: £15,397 and £27,491).
• The 2026/27 student loan thresholds: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Postgraduate £21,000, and the first Plan 5 threshold of £25,000. Plan 5 has no threshold in 2025/26.
• The 2026/27 NI lower earnings limit of £6,708 and the 8% / 2% employee rates by category letter.
• The taper takes £1 of allowance for every complete £2 over £100,000. That makes the marginal rate 62% in England with NI, and 69.5% in Scotland's 45% advanced band.
• With relief at source you pay 80% and claim the rest above 20% yourself, and the grossed-up contribution lowers adjusted net income for the taper. Salary sacrifice also cuts NI and student loan.
• Several student loan plans repay 9% over the lowest threshold, plus 6% over the Postgraduate threshold, as gov.uk describes.

Install

Claude.ai custom connector or ChatGPT developer mode

Add a custom connector and paste the URL. No token is needed.

https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http uk-income-tax https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp

Or run it locally:

claude mcp add uk-income-tax -- npx -y uk-income-tax-salary-mcp

Claude Desktop

Add this to claude_desktop_config.json:

{
  "mcpServers": {
    "uk-income-tax": {
      "command": "npx",
      "args": ["-y", "uk-income-tax-salary-mcp"]
    }
  }
}

Cursor

Add this to ~/.cursor/mcp.json:

{
  "mcpServers": {
    "uk-income-tax": {
      "url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

VS Code

Add this to .vscode/mcp.json:

{
  "servers": {
    "uk-income-tax": {
      "type": "http",
      "url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

Node 20 or newer is needed for the local npx version.

Example prompts

• "I earn £48,000 in Manchester with a Plan 2 student loan. What is my take-home pay a month in 2026/27?"
• "I live in Edinburgh and earn £52,000. How much income tax do I pay this year, band by band?"
• "My salary goes from £98,000 to £112,000. How much of the rise do I keep, and how much salary sacrifice gets me back under £100,000?"
• "What is my marginal tax rate at £115,000 with a 5% relief at source pension?"
• "Compare £35,000, £45,000 and £60,000 after tax in Scotland."

Data sources

All numbers come f

... View full README on GitHub