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Calculate your exact take-home pay in Scotland after all deductions including Scottish Income Tax, National Insurance, pension contributions, and student loan repayments.
Instantly calculate your take-home pay after Scottish tax, National Insurance, pension, and student loan deductions.
Updated for the 2025/26 tax year — ideal for NHS Scotland staff, Scottish teachers, tradespeople, social workers and anyone employed in Scotland. Accounts for unique Scottish income tax bands.
Below are estimated after-tax incomes for popular professions in Scotland based on average full-time salaries. Use these examples or enter your exact amount in the calculator above. Note: Scotland has different income tax rates compared to the rest of the UK, which may affect your take-home pay.
The average NHS Scotland nurse earns around £35,000 per year. After Scottish tax and National Insurance, take-home pay is roughly £2,300 per month. Higher-band nurses and NHS Scotland specialists earning £45,000–£60,000 typically take home between £2,650 and £3,300 monthly.
Includes standard 5% pension contribution and no student loan. Scottish tax bands apply.
A newly qualified teacher in Scotland earning £32,000 takes home about £2,150 per month after Scottish tax, NI and pension. Experienced teachers earning £45,000 take home around £2,750 monthly.
A qualified electrician or plumber in Scotland typically earns £38,000–£45,000 annually. After deductions including Scottish tax, that’s about £2,350 to £2,800 take-home pay per month. Self-employed tradespeople in Scotland may earn more but must account for business expenses and Scottish tax separately.
The average Scottish social worker salary is around £37,000. Take-home pay after Scottish tax and NI is approximately £2,300 per month. Senior or management roles in social work earning £45,000+ will take home around £2,750 monthly.
These are estimates based on 2025/26 Scottish tax rates and assume standard NI and pension contributions.
Your take-home pay is the amount left after all deductions — Scottish income tax, National Insurance, and pension contributions — from your gross salary. Scotland has its own tax bands set by the Scottish Government.
This calculator is updated for the 2025/26 tax year and uses official Scottish tax rates from the Scottish Government, along with HMRC rates for NI and student loans.
Yes. Once calculated, the results show annual, monthly, weekly, and daily take-home pay figures.
Scotland has unique income tax bands and rates, including Starter, Basic, Intermediate, Higher, Advanced, and Top rates, which differ from the rest of the UK. This calculator accounts for these differences.
