> An API for UK take-home pay: income tax, NI, student loans and pensions for 2026/27, worked out the way payroll does, with gross from net.

Web version: https://checktakehomepay.co.uk/take-home-pay-api · Last updated: 2026-10-09

[API](https://checktakehomepay.co.uk/api) / Take-home pay

# UK take-home pay API

Short answer

Send a salary and get back what someone takes home: income tax (Scottish and Welsh rates too), National Insurance, every student loan plan, pensions, salary sacrifice, bonuses and the High Income Child Benefit Charge, for every pay period of the year.

-   Each pay period runs through PAYE, NI and student loans exactly as payroll software does, then the year adds up, so a bonus month shows the tax a real payslip would.
-   Gross from net finds the lowest salary that reaches a take-home target, for job boards and net-pay offers.
-   Tax codes are derived for you, or used as given: S and C prefixes, K codes, BR, D0, D1, NT and week 1/month 1.

## Endpoints

-   `POST /v1/take-home`Gross pay to take-home, every period
-   `POST /v1/gross-from-net`The salary for a take-home target
-   `GET /v1/tax-codes/{code}`What a tax code means (no key)

## Try a request

Money is pounds and pence. Every response carries the tax year, the engine and HMRC test data that produced it, the assumptions and the gov.uk sources.

```
curl https://api.checktakehomepay.co.uk/v1/take-home \
  -H "Authorization: Bearer $CHECKTAKEHOMEPAY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "gross": {
    "amount": 45000,
    "per": "year"
  },
  "region": "england",
  "student_loans": [
    "plan_2"
  ],
  "pension": {
    "method": "salary_sacrifice",
    "percent": 5,
    "basis": "qualifying_earnings"
  }
}'
```

## Questions

### Is take-home worked out per pay period or as a year divided by 12?

Per pay period, the way payroll does it, then added up. That is why a monthly year frees £12,579.12 on 1257L, not £12,570, and why a bonus month shows more tax and NI than the others.

### Does it handle Scotland and Wales?

Yes: Scotland’s six bands and Wales’s rates, from the region or from an S or C tax code.

## Put it in your software

Every endpoint on every plan, from the free one up.

[Get an API key](https://checktakehomepay.co.uk/login)[Read the quickstart](https://checktakehomepay.co.uk/docs/quickstart)