Scottish Tax Calculators
Free, accurate calculators built for Scotland's unique tax system. Updated for the 2025/26 tax year.
LBTT Calculator
Calculate Land and Buildings Transaction Tax for Scottish property purchases. Covers standard, first-time buyer, and additional dwelling rates with England SDLT comparison.
đˇScottish Income Tax Calculator
Work out your Scottish income tax across all 6 bands. Compare what you'd pay in Scotland vs England and see your take-home pay.
đ°Take-Home Pay Calculator
See your exact take-home pay monthly, weekly, daily, and hourly after Scottish tax, NI, pension, and student loan deductions.
đSalary Sacrifice Calculator
See how much you could save through pension, EV, or cycle-to-work salary sacrifice with Scotland's unique tax bands.
đBuy-to-Let Tax Calculator
Work out rental yield, LBTT with 8% ADS, income tax on rental profit, and net returns for Scottish buy-to-let investments.
đStudent Loan Calculator
Calculate monthly repayments for Plan 4 (SAAS) and all other plans. See year-by-year projections and write-off dates.
đ´ó §ó ˘ó łó Łó ´ó żScotland vs England Comparison
Compare your total tax bill side by side â income tax, take-home pay, and property tax (LBTT vs SDLT) at your salary and property price.
đPension Tax Relief Calculator
See exactly how much tax relief you get on pension contributions at Scottish rates â and what you need to claim via self-assessment.
đISA vs SIPP Calculator
At Scottish tax rates, SIPPs often win over ISAs â but it depends on your salary. See the projected difference over your timeline.
đCapital Gains Tax Calculator
CGT rates depend on your total income. Calculate your CGT on shares, property, or business assets with Scottish income bands.
đÂŁ100k Personal Allowance Trap
Earn between ÂŁ100,000 and ÂŁ125,140 in Scotland? Your effective marginal rate is 67.5%. See the impact and how to escape.
đSelf-Employed Tax Calculator
Calculate Scottish income tax, Class 2 and Class 4 NI on self-employed profits. Includes expenses, trading allowance, and pension deductions.
đMortgage Affordability Calculator
See how much you could borrow based on your Scottish salary, with LBTT costs, first-time buyer relief, and monthly repayment estimates.
đADS Reclaim Tracker
Check if you can reclaim Scotland's 8% ADS. Track your sale and claim deadlines, and check the economic unit rule.
đMissing Pension Relief Checker
Are you missing unclaimed pension tax relief? Scottish intermediate and higher-rate taxpayers are most likely affected. Check in 30 seconds.