UK Income Tax and Salary MCP

A community MCP server that provides AI assistants with UK income tax, National Insurance, and student loan rules for the 2025/26 and 2026/27 tax years. It includes tools to calculate net pay, retrieve official tax bands, compare salaries, and determine marginal rates, incorporating Scottish bands and the £100,000 allowance taper.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Community listingStreamable HTTPNo sign-inEndpoint checked 2026-11-01Published by theluckystrike

MCP endpoint (Streamable HTTP)

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

Vendor documentation

What you can do with it

Calculate net pay for 2025/26 or 2026/27 including tax, NI, and student loans
Retrieve official tax bands and thresholds by region and tax year
Compare up to 5 salaries side by side to see how much of each rise is kept
Determine the true marginal rate on the next pounds including the 60% allowance trap

Source and maintenance

Community listingRegistry 1.0.0

mcp-registry: io.github.theluckystrike/uk-income-tax-salary-mcp@1.0.0 Source repository Project website

Maintenance checked: Nov 1, 2026, 8:45 AM UTC

Protocol and capabilities

Server: uk-income-tax-salary-mcp 1.0.0
MCP protocol: 2025-06-18
Tools: 4 advertised
Resources: Not advertised
Resource templates: Not advertised
Prompts: Not advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": true
  }
}

Tools

4 advertised

calculate_uk_take_home — UK take-home pay

Advertised by the server during the last successful anonymous check.

Advertised read-only

Calculates UK take-home pay for an employee in tax year 2025/26 or 2026/27 from HMRC's published rates: income tax by band (England, Wales and NI, or the six Scottish bands incl. the 2026/27 Scottish starter and basic bands), employee Class 1 National Insurance (8% / 2%), student loan repayments (Plan 1, 2, 4, 5 and Postgraduate, with 2026/27 thresholds), and pension by salary sacrifice or relief at source. Applies the Personal Allowance taper above £100,000 (£1 per £2, the 60% trap) and reads tax codes such as 1257L, S1257L, K475, BR and D0. Returns net pay a year, a month and a week. Figures copied from gov.uk and HMRC in Oct 2026.

calculate_uk_take_home input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "gross_salary"
  ],
  "properties": {
    "region": {
      "enum": [
        "england",
        "wales",
        "northern_ireland",
        "england_wales_ni",
        "scotland"
      ],
      "type": "string",
      "description": "Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code."
    },
    "tax_code": {
      "type": "string",
      "maxLength": 16,
      "description": "PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes."
    },
    "tax_year": {
      "enum": [
        "2025/26",
        "2026/27"
      ],
      "type": "string",
      "description": "UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27)."
    },
    "ni_category": {
      "enum": [
        "A",
        "B",
        "C",
        "H",
        "J",
        "M",
        "V",
        "Z"
      ],
      "type": "string",
      "description": "National Insurance category letter, default A. C = over State Pension age (no employee NI)."
    },
    "gross_salary": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Annual gross salary in pounds (GBP), before any deductions."
    },
    "pension_amount": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Employee pension contribution in pounds a year (gross). Use this OR pension_percent."
    },
    "pension_method": {
      "enum": [
        "none",
        "relief_at_source",
        "salary_sacrifice"
      ],
      "type": "string",
      "description": "relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given."
    },
    "pension_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution."
    },
    "student_loan_plans": {
      "type": "array",
      "items": {
        "enum": [
          "plan_1",
          "plan_2",
          "plan_4",
          "plan_5",
          "postgraduate"
        ],
        "type": "string"
      },
      "maxItems": 5,
      "description": "Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes."
    }
  },
  "additionalProperties": false
}

calculate_uk_take_home annotations

{
  "title": "UK take-home pay",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

get_uk_tax_bands — UK income tax bands and thresholds

Advertised by the server during the last successful anonymous check.

Advertised read-only

Returns the official UK income tax bands for 2025/26 or 2026/27, for England, Wales and Northern Ireland or for Scotland (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%), both as taxable-income bands from HMRC's employer tables and as gross-salary bands with the standard £12,570 allowance. Also returns the £100,000 allowance taper, Class 1 NI thresholds and employee rates by category letter, and student loan thresholds for each plan. A figure that is not published is marked unannounced, never guessed. Copied from gov.uk and HMRC in Oct 2026.

get_uk_tax_bands input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "tax_year",
    "region"
  ],
  "properties": {
    "region": {
      "enum": [
        "england",
        "wales",
        "northern_ireland",
        "england_wales_ni",
        "scotland"
      ],
      "type": "string",
      "description": "england, wales, northern_ireland, england_wales_ni or scotland."
    },
    "tax_year": {
      "enum": [
        "2025/26",
        "2026/27"
      ],
      "type": "string",
      "description": "UK tax year: 2025/26 or 2026/27."
    }
  },
  "additionalProperties": false
}

get_uk_tax_bands annotations

{
  "title": "UK income tax bands and thresholds",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

compare_salaries — Compare UK salaries after tax

Advertised by the server during the last successful anonymous check.

Advertised read-only

Compares 1 to 5 UK gross salaries after income tax, National Insurance, student loan and pension for 2025/26 or 2026/27, with the same region, tax code and options for each. Shows net pay a year, month and week, effective and marginal rates, and how much of each pay rise you keep compared with the first salary. Shows when a rise lands in the £100,000 to £125,140 Personal Allowance taper (60% in England, 69.5% in Scotland in 2026/27 with NI). Uses HMRC 2025/26 and 2026/27 rates fetched in Oct 2026.

compare_salaries input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "salaries"
  ],
  "properties": {
    "region": {
      "enum": [
        "england",
        "wales",
        "northern_ireland",
        "england_wales_ni",
        "scotland"
      ],
      "type": "string",
      "description": "Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code."
    },
    "salaries": {
      "type": "array",
      "items": {
        "type": "number",
        "maximum": 100000000,
        "minimum": 0,
        "description": "Annual gross salary in pounds (GBP), before any deductions."
      },
      "maxItems": 5,
      "minItems": 1,
      "description": "1 to 5 annual gross salaries in pounds. The first is the baseline."
    },
    "tax_code": {
      "type": "string",
      "maxLength": 16,
      "description": "PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes."
    },
    "tax_year": {
      "enum": [
        "2025/26",
        "2026/27"
      ],
      "type": "string",
      "description": "UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27)."
    },
    "ni_category": {
      "enum": [
        "A",
        "B",
        "C",
        "H",
        "J",
        "M",
        "V",
        "Z"
      ],
      "type": "string",
      "description": "National Insurance category letter, default A. C = over State Pension age (no employee NI)."
    },
    "pension_amount": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Employee pension contribution in pounds a year (gross). Use this OR pension_percent."
    },
    "pension_method": {
      "enum": [
        "none",
        "relief_at_source",
        "salary_sacrifice"
      ],
      "type": "string",
      "description": "relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given."
    },
    "pension_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution."
    },
    "student_loan_plans": {
      "type": "array",
      "items": {
        "enum": [
          "plan_1",
          "plan_2",
          "plan_4",
          "plan_5",
          "postgraduate"
        ],
        "type": "string"
      },
      "maxItems": 5,
      "description": "Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes."
    }
  },
  "additionalProperties": false
}

compare_salaries annotations

{
  "title": "Compare UK salaries after tax",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

marginal_rate_at_income — UK marginal tax rate at a salary

Advertised by the server during the last successful anonymous check.

Advertised read-only

Returns the true UK marginal rate on the next pounds of salary in 2025/26 or 2026/27: income tax band rate, employee NI and student loan together, plus the Personal Allowance taper between £100,000 and £125,140 that makes it 60% plus NI in England, Wales and NI and 67.5% plus NI in Scotland's advanced band. Handles salary sacrifice, relief at source, Scottish bands and tax codes. Measured as the change in deductions over the next `step` pounds (default £100). Rates from gov.uk and HMRC, fetched Oct 2026.

marginal_rate_at_income input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "gross_salary"
  ],
  "properties": {
    "step": {
      "type": "number",
      "maximum": 10000,
      "minimum": 1,
      "description": "Size of the pay rise to measure over, in pounds (default 100)."
    },
    "region": {
      "enum": [
        "england",
        "wales",
        "northern_ireland",
        "england_wales_ni",
        "scotland"
      ],
      "type": "string",
      "description": "Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code."
    },
    "tax_code": {
      "type": "string",
      "maxLength": 16,
      "description": "PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes."
    },
    "tax_year": {
      "enum": [
        "2025/26",
        "2026/27"
      ],
      "type": "string",
      "description": "UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27)."
    },
    "ni_category": {
      "enum": [
        "A",
        "B",
        "C",
        "H",
        "J",
        "M",
        "V",
        "Z"
      ],
      "type": "string",
      "description": "National Insurance category letter, default A. C = over State Pension age (no employee NI)."
    },
    "gross_salary": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Annual gross salary in pounds (GBP), before any deductions."
    },
    "pension_amount": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Employee pension contribution in pounds a year (gross). Use this OR pension_percent."
    },
    "pension_method": {
      "enum": [
        "none",
        "relief_at_source",
        "salary_sacrifice"
      ],
      "type": "string",
      "description": "relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given."
    },
    "pension_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution."
    },
    "student_loan_plans": {
      "type": "array",
      "items": {
        "enum": [
          "plan_1",
          "plan_2",
          "plan_4",
          "plan_5",
          "postgraduate"
        ],
        "type": "string"
      },
      "maxItems": 5,
      "description": "Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes."
    }
  },
  "additionalProperties": false
}

marginal_rate_at_income annotations

{
  "title": "UK marginal tax rate at a salary",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 573 ms
95th percentile latency: 573 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 1, 2026, 9:04 AM UTC · probe · passed · 573 ms · metadata changed · 4 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

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

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add uk-income-tax-and-salary-mcp --url https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable uk-income-tax-and-salary-mcp in your MCP settings.

Cursor configuration

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

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "uk-income-tax-and-salary-mcp": {
      "type": "streamableHttp",
      "url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start uk-income-tax-and-salary-mcp and inspect its tools.

VS Code configuration

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

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

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

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

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

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

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

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UK Income Tax and Salary MCP

Endpoint and access

What you can do with it

Source and maintenance

Protocol and capabilities

Tools

Prompts

Resources

30-day availability

Maintenance history

Connect from your client

Claude Code

Codex

Cursor

Cline

VS Code

Gemini CLI

Claude Desktop

Windsurf

Let your agent find its tools

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