Enter your gross salary to see your real take-home pay in Scotland for 2026/27. This calculator uses the current Scottish income tax bands, employee National Insurance, and the Plan 4 student loan threshold, then shows what lands in your account each year, month and week.
Scotland Take-Home Pay Calculator 2026/27
See your salary after Scottish tax, National Insurance and student loan.
Your total yearly pay before any deductions. If you are paid hourly, work out your yearly figure first with our hourly to salary calculator.
Tick this if you studied in Scotland and started your course on or after 1 September 1998. Plan 4 takes 9% of what you earn over £33,795.
Estimate based on 2026/27 Scottish income tax bands, employee National Insurance and the Plan 4 threshold of £33,795. Assumes a standard tax code and does not include pension contributions, benefits in kind or other adjustments. Not financial advice.
How Scottish tax affects your take-home pay
Scotland sets its own income tax bands, so your take-home pay is different from the rest of the UK on the same salary. You keep the first £12,570 tax free (the personal allowance), then pay tax in steps. National Insurance and any Plan 4 student loan come off on top. Here are the Scottish income tax rates for 2026/27.
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | £0 to £12,570 | 0% |
| Starter | £12,571 to £16,537 | 19% |
| Basic | £16,538 to £29,526 | 20% |
| Intermediate | £29,527 to £43,662 | 21% |
| Higher | £43,663 to £75,000 | 42% |
| Advanced | £75,001 to £125,140 | 45% |
| Top | Over £125,140 | 48% |
On top of income tax, employees pay National Insurance at 8% on earnings between £12,570 and £50,270, and 2% above that. If you are on a Plan 4 student loan, 9% is taken on anything you earn over £33,795. You can see your loan repayments on their own with the Student Loan Repayment Calculator for Plan 4.
Frequently asked questions
Is take-home pay lower in Scotland? On most salaries the difference is small. Lower earners can pay slightly less than the rest of the UK, while higher earners pay a bit more because of the higher and advanced rates. This calculator uses the Scottish bands so the figure matches your payslip.
Does it include my student loan? Yes, if you tick the Plan 4 box. Plan 4 is the Scottish plan and takes 9% of earnings over £33,795 for 2026/27. Untick the box if you have already cleared your loan or never had one.
Are pension contributions included? No. The result is before any workplace pension, salary sacrifice or benefits. A pension would lower your taxable pay, so your real take-home can differ.
I am paid hourly, how do I use this? Convert your hourly rate to a yearly salary first with the Hourly to Salary Calculator, then enter that figure here. Find all our tools on the Scottish student calculators page.