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Free, accurate financial calculators built specifically for Scotland's unique tax system. No more guessing with generic UK tools.
15
Free calculators
6
Scottish tax bands covered
2.7M
Scottish taxpayers we help
100%
Free, always
Scotland has 6 income tax bands (not 3), LBTT instead of Stamp Duty, and salary sacrifice rules that most UK calculators get wrong. We get them right.
Every calculator uses Scottish rates and bands — not English ones with a Scotland checkbox bolted on.
Scottish Budget changes, new LBTT thresholds, updated NI rates — we update everything when it changes.
No jargon. Every guide explains what something means for a real person living in Scotland.
Everything runs in your browser. We never see your salary, your property price, or any personal details.
Most UK salary sacrifice calculators explicitly state they don't support Scottish taxpayers. Legal & General's says it. ANNA Money's says it. MoneySCOT is built to fill that gap.
Scotland's worst-kept tax secret
Between £100,000 and £125,140, your Personal Allowance is withdrawn — creating an effective marginal rate of 67.5% in Scotland (60% in England). A pension contribution can save you thousands by escaping the trap entirely.
67.5%
Scotland effective rate
60%
England equivalent
What £10,000 above £100k actually costs you
You keep just £3,050 of a £10,000 pay rise.
Featured Calculator
Buying a property in Scotland? You pay LBTT — not the English Stamp Duty Land Tax. The rates, bands, and reliefs are completely different. Our calculator handles all of it.
Free Tools
Calculate Land and Buildings Transaction Tax for Scottish property purchases with first-time buyer relief and ADS.
💷Work out your Scottish income tax across all 6 bands with dividend and savings income. Compare with England.
💰See your exact take-home pay monthly, weekly, daily, and hourly after all Scottish deductions.
📈See how much you save through pension, EV, or cycle-to-work sacrifice with Scotland’s higher tax rates.
📊Earning £100k–£125k? Your effective rate is 67.5%. See the impact and how pension contributions fix it.
📊Check if you’re owed unclaimed pension tax relief. Scottish higher-rate taxpayers are most likely affected.
Latest Guides
Covering the topics that UK-wide sites gloss over.
12 min read · April 2026
9 min read · April 2026
7 min read · April 2026
£1.3 billion went unclaimed over 5 years. Scottish intermediate and higher-rate taxpayers are most affected. Check in 30 seconds.