TakeHome API · UK · 2026-27

UK take-home pay, worked out properly.

One call returns income tax, National Insurance, student loans, pensions and the child benefit charge. Rates come from GOV.UK and every result shows its sources, assumptions and band-by-band workings. Built for developers and AI agents.

OpenAPI spec llms.txt Try /v1/rates Pricing and free key

Quick start

curl -X POST https://api.takehomeapi.com/v1/take-home \
  -H "Content-Type: application/json" \
  -H "X-API-Key: $TAKEHOME_API_KEY" \
  -d '{
    "grossSalary": 60000,
    "region": "scotland",
    "studentLoans": ["plan2"],
    "pension": { "percent": 5, "method": "salary_sacrifice" }
  }'

Response (trimmed; the full result also lists every assumption):

{
  "data": {
    "taxableIncome": 44430,
    "incomeTax": {
      "total": 11922.05,
      "bands": [
        "starter 19%: £753.73",
        "basic 20%: £2597.8",
        "intermediate 21%: £2968.56",
        "higher 42%: £5601.96"
      ]
    },
    "nationalInsurance": 3150.6,
    "studentLoan": 2485.35,
    "pension": {
      "grossContribution": 3000,
      "deductedFromPay": 3000,
      "taxReliefAddedByHmrc": 0
    },
    "netPay": {
      "annual": 39442,
      "monthly": 3286.83,
      "weekly": 758.5
    },
    "effectiveRate": 0.2926,
    "marginalRate": 0.53,
    "assumptions": [
      "…"
    ],
    "sources": [
      "https://www.gov.uk/income-tax-rates",
      "https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027",
      "https://www.gov.uk/repaying-your-student-loan/what-you-pay",
      "https://www.gov.uk/child-benefit-tax-charge",
      "https://www.gov.scot/publications/scottish-income-tax-rates-and-bands/pages/2026-to-2027/"
    ]
  },
  "meta": {
    "apiVersion": "v1",
    "disclaimer": "Estimates based on published HMRC and Scottish Government rates. Not tax advice."
  }
}

Endpoints

Endpoint	What it returns	Agents (x402)
`GET /v1/rates`	Every rate and threshold for a tax year	Free
`POST /v1/take-home`	Full breakdown, net pay by year, month and week, effective and marginal rate, sources	$0.01
`POST /v1/compare`	2 to 5 scenarios side by side with the difference from the first	$0.03

Use it from AI assistants (MCP)

Add https://api.takehomeapi.com/mcp as a remote MCP server in Claude, ChatGPT, Cursor or any MCP client. Tools: get_tax_rates (free), calculate_take_home and compare_take_home (send your API key as Authorization: Bearer).

What it handles

Tax years 2025-26 and 2026-27
England, Wales, NI and all six Scottish bands
The 60% trap between £100k and £125,140
Student loan Plans 1, 2, 4, 5 and postgrad
Salary sacrifice, net pay and relief at source
High Income Child Benefit Charge

Plans

Free key with 100 calls a month, then Starter £15, Pro £49 and Business £149 a month. See plans and get a key. AI agents can also skip signup and pay per call in USDC over x402: call without a key, read the 402 terms, pay, retry.