Scotland Hourly to Salary Calculator

How Your Hourly Wage Is Converted to Take-Home Salary in Scotland

Estimating your take-home salary in Scotland from an hourly wage involves applying the country's unique income tax bands, as well as deductions for National Insurance, pensions, and student loan repayments. This calculator uses the latest 2024/25 Scottish thresholds to provide an accurate picture of your net pay.

Gross Salary Calculation

Your hourly wage is multiplied by the hours you work per week, then by 52 to get your annual gross salary. This figure is used to calculate your income tax, NI contributions, and any deductions like pensions and student loans.

Scottish Income Tax Bands

Scotland has its own income tax system with six tax bands: Starter (19%), Basic (20%), Intermediate (21%), Higher (42%), Advanced (45%), and Top Rate (48%). Most workers are entitled to a personal allowance (usually £12,570) before tax is applied. Your gross salary determines how much falls into each band, and the calculator applies these progressively to estimate your tax.

National Insurance Contributions (NICs)

NI thresholds and rates are the same across the UK. In 2024/25, you pay 8% on earnings above the Primary Threshold and below the Upper Earnings Limit. Even though Scotland has different income tax bands, NI is applied consistently with England, Wales, and Northern Ireland.

Pension Contributions

Workplace pension contributions are deducted before income tax is applied, reducing your taxable income. Most employees contribute a percentage of their gross salary to their pension scheme. The calculator lets you input your pension rate to reflect this deduction in your take-home estimate.

Student Loan Repayments (Plan 4)

Most Scottish borrowers repay student loans under Plan 4, which requires 9% of income above £27,660 to be deducted. If you also have a postgraduate loan, an additional 6% is deducted above a separate threshold. The calculator applies these automatically based on your salary.

Tax Codes

Tax codes in Scotland begin with an 'S' (e.g. S1257L, SBR, SD0) and determine how much personal allowance you receive and how your income is taxed. If you have multiple jobs or benefits, your code may limit or remove the allowance. The calculator lets you simulate these codes for greater accuracy.

Use this tool to estimate your annual, monthly, and weekly take-home pay in Scotland. Whether you're a part-time worker, contractor, or hourly employee, it helps you understand how hourly rates translate into real, spendable income.