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Calculators built for Scotland's six-band tax system. Not English tools with a Scotland checkbox bolted on.
English SDLT on same property: £3,750
Scotland has six income tax bands (not three), LBTT instead of Stamp Duty, devolved benefits, and unique tenancy law. Most UK calculators treat Scotland as a footnote — if they handle it at all. We build the tools nobody else will.
Most UK salary sacrifice calculators explicitly statethey don't support Scottish taxpayers. Legal & General's says it. ANNA Money's says it. MoneySCOT exists to fill that gap.
Every calculator uses Scottish rates and bands as the default. Not English tools with a Scotland toggle hidden in settings.
Scottish Budget changes, new LBTT thresholds, updated NI rates. We update everything within 48 hours of any change.
Every calculator shows you what you'd pay in England too. No spin — just the actual difference, in pounds.
Every calculator, every guide, completely free. No account required, no premium features behind a gate.
Scotland's property purchase tax with first-time buyer relief, 8% ADS, and side-by-side comparison with English Stamp Duty.
All 6 bands, 2026/27 rates
Net pay after tax, NI & pension
Pension, bonus, EV, cycle
Scotland’s 67.5% marginal rate
Financial independence at Scottish rates
Claw-back + pension escape
Salary vs dividend split
Scotland’s 5-year rule
Electric vehicle salary sacrifice saves Scottish taxpayers more than English ones. BIK at just 4%, plus income tax and NI savings at Scotland's higher rates.
Scotland offers free prescriptions, eye tests, university tuition, bus travel, personal care, and more. Here's exactly what it's all worth — calculated for your household.
The LIFT scheme Scotland lets first-time buyers purchase a property with 10–40% government equity — no rent on the government share. Eligibility is affordability-assessed, and price thresholds vary by area and property size. OMSE for existing homes, NSSE for new-builds.
NHS Scotland staff earning above £100,000 face a 67.5% effective marginal rate — worse than England's 60% trap. But your NHS pension contributions can eliminate it. Here's the calculation every Band 8d and Band 9 worker needs to understand.
Thinking of opting out of the NHS Scotland pension? You'd be walking away from a 22.5% employer contribution, guaranteed income for life, and death-in-service cover. Here's what actually happens when you opt out — and when (if ever) it might make sense.
Scottish taxpayers save more from salary sacrifice than English ones. See how pension, EV, and cycle-to-work schemes work with Scotland's 6 tax bands.
Scottish Budget breakdowns, LBTT changes, benefit updates, and the tax angles UK-wide newsletters always miss.