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46 free, accurate calculators built for Scotland's unique tax system. Updated for the 2026/27 tax year. Most people start with the Scottish income tax calculator.
What are you trying to do?
I want to understand my payslip, or a pay rise, bonus or redundancy.
What you actually take home under Scotland's six bands, and what changes it.
See your exact take-home pay monthly, weekly, daily, and hourly after all Scottish deductions.
💷See your Scottish income tax across all 6 bands, with an England comparison built in.
📈See how much you could save through pension, one-off bonus, EV, or cycle-to-work salary sacrifice with Scottish tax bands.
📊Earn between £100,000 and £125,140 in Scotland? Your effective marginal rate is 67.5%. See how to escape.
🎓Calculate monthly repayments for Plan 4 (SAAS) and all other plans with year-by-year projections.
🩺Pick your Agenda for Change band and step to see your 2026/27 NHS Scotland salary and monthly take-home after the SPPA pension, Scottish income tax, NI and student loan — including part-time patterns on the new 36-hour week.
⚓Calculate take-home pay for North Sea offshore oil and gas workers at any day rate or salary. Models rotation patterns (2/2, 3/3, 4/4), Scottish income tax bands, NI, pension, and tax-exempt allowances.
🚗Calculate the Benefit-in-Kind tax cost of your company car at Scottish income tax rates. See how electric vs petrol BIK rates compare, and how much more Scottish employees pay than English equivalents.
📦Work out your statutory redundancy pay from your age, service and salary — plus the Scottish income tax on anything above the £30,000 tax-free threshold.
🏡One picture of the household: take-home for one or two earners under Scottish rates, Child Benefit after the charge, LBTT, mortgage and council tax — then change one thing and see what it costs each month.
📣What next year's Scottish income tax bands mean for your salary: the announced rates on Budget night, or model your own thresholds and rates before then, and see the exact change against this year.
🧾Take-home for every salary from £20,000 up, with the England comparison.
⏱️What an hourly rate is worth after Scottish tax and NI.
I want to work out what I can borrow, what LBTT I'll pay and what the house will cost.
From affordability to the tax on the purchase to the council tax after you move in.
See how much you could borrow based on your Scottish salary, with LBTT costs and first-time buyer relief included.
🏠Calculate your LBTT on any Scottish property purchase, including first-time buyer relief and ADS.
🔑Check eligibility for Scotland's LIFT scheme — up to 40% government funding for first-time buyers and priority groups.
💸Check if you can reclaim Scotland's 8% ADS. Track your sale deadline, claim deadline, and economic unit status.
📉Should you overpay your mortgage or invest? Compare guaranteed interest savings vs ISA/GIA growth at Scottish tax rates with year-by-year projections.
🏷️Check whether your Scottish council tax band can be challenged: the 1991 valuation bands, the 6-month proposal windows, and what one band down saves in your council.
📖The Scottish buying process, deposit, LBTT relief and the schemes that help.
🚚Every fee in a Scottish move, from the Home Report to the removal van.
📈Average prices across all 32 council areas from the UK House Price Index.
🏛️The bill for any Scottish council and band, water charges included.
I want to see what I'm entitled to, from maternity pay to childcare to Scottish benefits.
The devolved benefits layer that generic UK sites miss, plus the UK-wide traps.
See exactly how much Child Benefit you lose to HICBC at Scottish tax rates, and the pension sacrifice needed to restore the full benefit.
🧸Compare Scotland's universal 1,140 funded hours with England's working-parent offer, and see what Tax-Free Childcare or the UC childcare element is worth on your monthly spend.
🤱Work out your Statutory Maternity Pay week by week — 6 weeks at 90% of earnings, then 33 weeks at the statutory rate — or Maternity Allowance if you're self-employed.
🏴Check which Scottish benefits you're eligible for — SCP, Best Start Grant, Carer Support, ADP, Winter Heating, and more.
♿Check if you might qualify for Adult Disability Payment (ADP) in Scotland. Score each daily living and mobility activity to see your estimated award level and weekly payment.
🎁Calculate how much your household saves by living in Scotland — free prescriptions, eye tests, tuition, bus travel, personal care, and more.
👪Scottish Child Payment, Best Start, ADP, Carer Support and the rest — rates and eligibility.
📖Funded hours, Tax-Free Childcare and the £100k cliff, for Scottish parents.
I want to decide between an ISA and a pension, and see the tax on what I sell.
Where Scottish income tax changes the answer — and where the UK rules still apply.
At Scottish tax rates, SIPPs often win over ISAs — but it depends on your salary. See the projected difference.
🧮See exactly how much tax relief you get on pension contributions at Scottish rates — and what to claim via self-assessment.
📊CGT is UK-wide: your 18%/24% rate is set against the UK bands, not Scotland's six (a common myth). See your split on shares, property, or business assets.
📉Calculate your 2026/27 dividend tax. See the £500 allowance, which rate applies, and how much an ISA would save.
🃏CGT on selling a collectible — cards, coins, antiques, art. Models the £6,000 chattels exemption, 5/3 marginal relief, wasting assets and 18%/24% rates.
📖What happens to an ISA on death under Scots law, and the spouse allowance.
I want to plan when I can stop, and what my pension pays after Scottish tax.
Drawdown, FIRE and the public-sector schemes — SPPA, LGPS and teachers.
Calculate income tax on pension drawdown at Scottish 2026/27 rates. Compare with England, model state pension interaction, and project how long your pot lasts.
🔥Calculate your path to financial independence at Scottish tax rates — pension relief, ISA/SIPP split, bridge planning, and drawdown tax modelling.
📊Are you missing unclaimed pension tax relief? Scottish intermediate and higher-rate taxpayers are most likely affected.
🏥Work out your NHS Scotland (SPPA) pension contribution by tier, the 22.5% employer contribution, your real cost after Scottish tax relief, and the pension you build each year.
🎓Work out your Scottish Teachers' Pension Scheme (STPS) contribution by tier, the 26% employer contribution, your real cost after Scottish tax relief, and the pension you build each year.
🏛️Work out your Local Government Pension Scheme (Scotland) contribution by tier, the employer contribution, your real cost after Scottish tax relief, and the 1/49th pension you build each year.
🪦From 6 April 2027 most unused pensions count towards your estate for IHT. See the extra tax at 40% — before vs after the change, with the £2m residence-band taper.
🧓The Scottish tax on drawing a pension, pot by pot.
📖How tax-free cash, UFPLS and income drawdown are taxed in Scotland.
I want to see what changes financially if I move across the border.
Income tax, property tax, council tax and the cost of living — Scotland against England, side by side.
Compare your total tax bill side by side — income tax, take-home pay, and property tax.
📖Tax code, income tax, buying a home, council tax and the benefits that only exist here.
🚆Which tax you pay is decided by where you live, not where you work.
🛒Rent, salaries and everyday costs across 20 Scottish cities and towns.
🏛️The bill for any Scottish council and band, water charges included.
I want to plan a will or an estate, or work through a divorce or an old debt under Scots law.
Scotland's succession, divorce and debt rules differ from England's — these tools use the Scottish ones.
The first-ever Scottish intestacy calculator. See who inherits what under Scotland's unique three-layer succession system.
🏛️Estimate the IHT on a Scottish estate — the £325k nil-rate band, £175k residence band, £2m taper, transferable bands, and spouse exemption at 40%.
🌾Calculate how the April 2026 APR/BPR cap affects your Scottish farm's inheritance tax. Model the new £2.5M combined relief limit.
⚖️Estimate a fair-sharing settlement under the Family Law (Scotland) Act 1985: matrimonial vs excluded property, pension apportionment and the 50/50 starting point.
⏳Check if your debts are prescribed under Scotland's 5-year rule. Enter dates to see if the prescription period has passed, making debts unenforceable.
📖Legal rights, legitim and why an English will template can go wrong here.
💳DAS, trust deeds, sequestration and MAP — the routes that only exist in Scotland.
I want to work out tax as a sole trader, a company director or a landlord.
Profit, dividends, rates and rent under the Scottish rules.
Calculate Scottish income tax, Class 2 and Class 4 NI on self-employed profits with expenses and pension deductions.
💼Find the optimal salary/dividend mix for your Scottish limited company at 2026/27 rates. Models corporation tax, dividend tax, and Scottish income tax together.
🏢Calculate your Scottish business rates and Small Business Bonus Scheme relief. Updated for the April 2026 revaluation.
🔑Work out rental yield, LBTT with 8% ADS, income tax on rental profit, and net returns.
🏠Check if your landlord's proposed rent increase is allowed under Scottish PRT rules and the Housing Act 2025 rent control framework.
🧾Income tax and NI on any profit figure, Scotland-specific.
🏬The Scottish poundage, SBBS relief and the 32-council lookup.
📖The S tax code, the Scottish rates and the deadlines that catch people out.
🏘️ADS, the Section 24 credit and the Scottish tenancy rules a landlord pays for.