UK Pay & Calendar Calculator 2026/27

What it does: UK take-home pay, income tax, NI, stamp duty, VAT, minimum wage, SSP/SMP, student loans, council tax, mileage and UK working days for 2026/27, as clean JSON.

Who it's for: AI assistants, HR/payroll and personal-finance agents, fintech and property apps that need deterministic UK figures.

Price: Pay per event: $0.01 per calculation, $0.003 per simple lookup. No subscription. You only pay Apify for what you run; there is no monthly fee for this Actor.

UK income tax, National Insurance, net salary / PAYE take-home pay, stamp duty (SDLT, LBTT, LTT), student loan repayments, VAT, National Minimum Wage / National Living Wage, Statutory Sick Pay (SSP), Statutory Maternity Pay (SMP), council tax, working days and HMRC mileage — 2026/27, from GOV.UK.

For AI agents and MCP clients. One Actor, eleven deterministic UK answers, sourced from GOV.UK. Each result is a single JSON object with sources[], last_verified, tax_year and a disclaimer. There's no scraping, no proxies, and it runs in about 1–2 seconds.

⚠️ Not tax advice. Estimates for information only, not tax, legal or financial advice. Verify with HMRC/GOV.UK or a qualified adviser.

When an agent should call this

• "What's my take-home on £45k in Scotland with a Plan 2 loan and 5% salary-sacrifice pension?" → take_home
• "How many working days between 21 Dec and 8 Jan in Scotland?" / "What's 10 working days after 24 Dec?" → working_days
• "I drove 12,000 business miles and my employer paid 30p. What can I claim?" → mileage_claim
• "Roughly what's Band C council tax at CF10 1AA?" → council_tax_estimate
• "Student loan repayment on £40k, Plan 2 + postgrad?" → student_loan
• "Stamp duty on a £295k house, first-time buyer / second home / Scotland / Wales?" → stamp_duty
• "Add or remove 20% VAT from £120" → vat
• "What is the minimum wage for a 19-year-old?" → minimum_wage
• "How much statutory sick pay for 10 days?" → ssp
• "How much maternity pay on £500 a week?" → smp
• "What are the current UK tax thresholds / minimum wage / VAT threshold?" → rates

Input

Always set action, plus only the fields that action uses:

action	required	optional
take_home	salary_gbp	pay_period (annual/monthly/weekly/hourly), hours_per_week, age, region (england/wales/scotland/northern_ireland), student_loan_plans [plan1, plan2, plan4, plan5, postgrad], pension {percent, method: relief_at_source/net_pay/salary_sacrifice}, above_state_pension_age
working_days	start_date (YYYY-MM-DD)	end_date (inclusive count) or add_working_days (±N); neither = next working day; region
mileage_claim	business_miles	vehicle (car/van/motorcycle/bicycle), passengers, employer_rate_ppm (GBP per mile, e.g. 0.30)
council_tax_estimate	postcode, band (A–H; I in Wales)	—
rates	—	—
student_loan	income_gbp	student_loan_plans (default [plan2]), pay_period (annual/monthly/weekly)
stamp_duty	price_gbp	nation (england/northern_ireland/scotland/wales), first_time_buyer, additional_property, non_resident
vat	amount_gbp	vat_rate (standard/reduced/zero), vat_mode (add/remove)
minimum_wage	—	age, apprentice, hourly_rate_gbp, hours_per_week
ssp	average_weekly_earnings_gbp	sick_days, qualifying_days_per_week
smp	average_weekly_earnings_gbp	—

Examples

{"action":"take_home","salary_gbp":45000,"region":"scotland","student_loan_plans":["plan2"],"pension":{"percent":5,"method":"salary_sacrifice"}}
{"action":"working_days","start_date":"2026-12-21","end_date":"2027-01-08","region":"scotland"}
{"action":"mileage_claim","business_miles":12000,"employer_rate_ppm":0.30}
{"action":"council_tax_estimate","postcode":"CF10 1AA","band":"C"}
{"action":"rates"}
{"action":"student_loan","income_gbp":40000,"student_loan_plans":["plan2","postgrad"]}
{"action":"stamp_duty","price_gbp":295000,"first_time_buyer":true}
{"action":"vat","amount_gbp":120,"vat_mode":"remove"}
{"action":"minimum_wage","age":19}
{"action":"ssp","average_weekly_earnings_gbp":450,"sick_days":10}
{"action":"smp","average_weekly_earnings_gbp":500}

Output

The result goes to the default dataset (one item) and the key-value store record OUTPUT. Abridged take_home:

{"action":"take_home","tax_year":"2026-27","region":"england",
 "gross":{"annual":30000,"monthly":2500,"weekly":576.92},
 "income_tax":3486,"national_insurance":1394.4,"student_loan_total":0,
 "net":{"annual":25119.6,"monthly":2093.3,"weekly":483.07},
 "marginal_rate":0.28,"effective_rate":0.1627,"breakdown":[...],"nmw_check":null,
 "sources":["https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027"],
 "last_verified":"2026-10-20","disclaimer":"Estimates for information only, ..."}

On bad input you get {"action":..., "error":"<what to fix>", ...} and no charge.

Using it from an agent / MCP

• Apify MCP server: add this Actor to your Apify MCP configuration (https://mcp.apify.com, or npx @apify/actors-mcp-server --actors tudorlane/uk-pay-calendar-calculator). It appears as a tool whose input is the schema above.
• API: POST https://api.apify.com/v2/acts/tudorlane~uk-pay-calendar-calculator/run-sync-get-dataset-items?token=... with the JSON input. It returns [result].

Pricing (pay per event)

Event	When charged	Price
actor-start	each run (Apify default)	$0.00005
calculation	successful take_home, council_tax_estimate, student_loan, stamp_duty, vat, minimum_wage, ssp or smp	$0.01
lookup	successful working_days, mileage_claim or rates	$0.003

Failed or invalid-input runs only incur actor-start.

Scope and limits

• Tax year 2026/27 only (6 Apr 2026 – 5 Apr 2027). Employee PAYE on an annual basis, tax code 1257L, NI category A. No benefits in kind, dividends, self-employment, Marriage Allowance or Blind Person's Allowance.
• Higher-rate relief on relief-at-source pensions is claimed via Self Assessment, so it isn't deducted here.
• Council tax uses the council's average Band D (incl. police, fire and average parish precepts) × the statutory band ratio. It excludes discounts and reductions and covers England and Wales only. It does not and will not look up a property's band.
• Bank holidays come live from GOV.UK with a bundled fallback snapshot. Future years only cover what GOV.UK has announced.
• Rates are updated each April. last_verified shows when the figures were last checked.

Sources & licence

GOV.UK (HMRC, MHCLG), Welsh Government, gov.uk/bank-holidays.json and postcodes.io. Full list in SOURCES.md. Contains public sector information licensed under the Open Government Licence v3.0. Postcode data: contains OS data © Crown copyright and database right; Royal Mail data © Royal Mail copyright and database right; ONS data © Crown copyright.

Quick example

Input

{
 "action": "take_home",
 "tax_year": "2026-27",
 "salary_gbp": 35000,
 "pay_period": "annual",
 "region": "england",
 "pension": {
  "percent": 0,
  "method": "relief_at_source"
 },
 "above_state_pension_age": false,
 "vehicle": "car",
 "passengers": 0,
 "postcode": "SW1A 1AA",
 "nation": "england",
 "first_time_buyer": false,
 "additional_property": false,
 "non_resident": false,
 "vat_rate": "standard",
 "vat_mode": "add",
 "apprentice": false,
 "qualifying_days_per_week": 5
}

Output (one dataset item, shortened)

{
 "action": "smp",
 "eligible_on_earnings": true,
 "weeks_1_to_6_weekly": 450,
 "weeks_7_to_39_weekly": 194.32,
 "total_39_weeks": 9112.56,
 "rule": "90% of AWE for 6 weeks, then lower of £194.32 or 90% of AWE for 33 weeks; needs AWE ≥ £129 and 26 weeks' service",
 "assumptions": [
  "Service (26 weeks into the qualifying week) and notice conditions are assumed met.",
  "If not eligible on earnings, Maternity Allowance may apply instead. Taxable."
 ],
 "sources": [
  "https://www.gov.uk/maternity-pay-leave/pay",
  "https://www.gov.uk/maternity-pay-leave/eligibility"
 ],
 "tax_year": "2026-27",
 "last_verified": "2026-10-21",
 "disclaimer": "Estimates for information only, not tax, legal or financial advice. Verify with HMRC/GOV.UK or a qualified adviser.",
 "attribution": "Contains public sector information licensed under the Open Government Licence v3.0."
}

Use it from AI agents (MCP) and code

• Apify MCP server: add https://mcp.apify.com/?tools=tudorlane/uk-pay-calendar-calculator to Claude, Cursor, ChatGPT connectors, VS Code or any MCP client (sign in with Apify OAuth or an API token). The Actor appears as a tool the model can call.
• REST (sync): POST https://api.apify.com/v2/acts/tudorlane~uk-pay-calendar-calculator/run-sync-get-dataset-items?token=YOUR_TOKEN with the input JSON as the body; results come back in the response.
• SDKs / no-code: apify-client (Python/JS), LangChain, LlamaIndex, CrewAI, n8n, Make and Zapier integrations.

FAQ

Is it tax advice? No. Estimates from GOV.UK rates for information only; every answer includes sources and a disclaimer.

Which tax year? 2026/27 (England, Wales, NI and Scotland rates).

How fast? About 1-2 seconds; no scraping.

What if the source is down? You get an error row and are not charged for it.

Support? Open an issue on the Actor's Issues tab.

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Keywords: UK tax calculator API, take-home pay API, PAYE calculator, National Insurance calculator, stamp duty calculator API, SDLT, LBTT, minimum wage API, UK bank holidays, working days UK, MCP tool, Apify Actor, AI agent tool.