# UK Income Tax and Salary (remote · uk-income-tax-salary-mcp.lipmichal.workers.dev)

UK income tax and take-home pay 2025/26 and 2026/27: Scottish bands, NI, student loans, 60% trap.

- Trust score: 67/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `uk-income-tax-salary-mcp.lipmichal.workers.dev`: 67/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-uk-income-tax-salary-mcp/uk-income-tax-salary-mcp.md), [page](https://verifymcp.io/servers/theluckystrike-uk-income-tax-salary-mcp/uk-income-tax-salary-mcp)

## Channel facts

- Endpoint: `https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 59/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1776 tokens (~444/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 20/100
  - Stability observed for 6 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the UK Income Tax and Salary MCP server?

UK Income Tax and Salary is a hosted endpoint at https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http theluckystrike-uk-income-tax-salary-mcp 'https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "theluckystrike-uk-income-tax-salary-mcp": {
      "url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "theluckystrike-uk-income-tax-salary-mcp": {
      "type": "http",
      "url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.theluckystrike-uk-income-tax-salary-mcp]
url = "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "theluckystrike-uk-income-tax-salary-mcp": {
      "type": "remote",
      "url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add theluckystrike-uk-income-tax-salary-mcp --url 'https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  theluckystrike-uk-income-tax-salary-mcp:
    url: "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "theluckystrike-uk-income-tax-salary-mcp": {
      "Transport": "http",
      "Url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add theluckystrike-uk-income-tax-salary-mcp -t streamable-http -u 'https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "theluckystrike-uk-income-tax-salary-mcp": {
      "type": "http",
      "url": "https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 67, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 65, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 64, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-30 (score 64)

First indexed and scored.

## MCP tools (4)

### `calculate_uk_take_home` (~550 tokens)

UK take-home pay

Calculates UK take-home pay for an employee in tax year 2025/26 or 2026/27 from HMRC's published rates: income tax by band (England, Wales and NI, or the six Scottish bands incl. the 2026/27 Scottish starter and basic bands), employee Class 1 National Insurance (8% / 2%), student loan repayments (Plan 1, 2, 4, 5 and Postgraduate, with 2026/27 thresholds), and pension by salary sacrifice or relief at source. Applies the Personal Allowance taper above £100,000 (£1 per £2, the 60% trap) and reads tax codes such as 1257L, S1257L, K475, BR and D0. Returns net pay a year, a month and a week. Figures copied from gov.uk and HMRC in Oct 2026.

Input parameters:

- `gross_salary` (number, required): Annual gross salary in pounds (GBP), before any deductions.
- `ni_category` (string): National Insurance category letter, default A. C = over State Pension age (no employee NI).
- `pension_amount` (number): Employee pension contribution in pounds a year (gross). Use this OR pension_percent.
- `pension_method` (string): relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given.
- `pension_percent` (number): Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution.
- `region` (string): Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code.
- `student_loan_plans` (array): Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes.
- `tax_code` (string): PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes.
- `tax_year` (string): UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27).

### `get_uk_tax_bands` (~200 tokens)

UK income tax bands and thresholds

Returns the official UK income tax bands for 2025/26 or 2026/27, for England, Wales and Northern Ireland or for Scotland (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%), both as taxable-income bands from HMRC's employer tables and as gross-salary bands with the standard £12,570 allowance. Also returns the £100,000 allowance taper, Class 1 NI thresholds and employee rates by category letter, and student loan thresholds for each plan. A figure that is not published is marked unannounced, never guessed. Copied from gov.uk and HMRC in Oct 2026.

Input parameters:

- `region` (string, required): england, wales, northern_ireland, england_wales_ni or scotland.
- `tax_year` (string, required): UK tax year: 2025/26 or 2026/27.

### `compare_salaries` (~510 tokens)

Compare UK salaries after tax

Compares 1 to 5 UK gross salaries after income tax, National Insurance, student loan and pension for 2025/26 or 2026/27, with the same region, tax code and options for each. Shows net pay a year, month and week, effective and marginal rates, and how much of each pay rise you keep compared with the first salary. Shows when a rise lands in the £100,000 to £125,140 Personal Allowance taper (60% in England, 69.5% in Scotland in 2026/27 with NI). Uses HMRC 2025/26 and 2026/27 rates fetched in Oct 2026.

Input parameters:

- `ni_category` (string): National Insurance category letter, default A. C = over State Pension age (no employee NI).
- `pension_amount` (number): Employee pension contribution in pounds a year (gross). Use this OR pension_percent.
- `pension_method` (string): relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given.
- `pension_percent` (number): Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution.
- `region` (string): Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code.
- `salaries` (array, required): 1 to 5 annual gross salaries in pounds. The first is the baseline.
- `student_loan_plans` (array): Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes.
- `tax_code` (string): PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes.
- `tax_year` (string): UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27).

### `marginal_rate_at_income` (~516 tokens)

UK marginal tax rate at a salary

Returns the true UK marginal rate on the next pounds of salary in 2025/26 or 2026/27: income tax band rate, employee NI and student loan together, plus the Personal Allowance taper between £100,000 and £125,140 that makes it 60% plus NI in England, Wales and NI and 67.5% plus NI in Scotland's advanced band. Handles salary sacrifice, relief at source, Scottish bands and tax codes. Measured as the change in deductions over the next `step` pounds (default £100). Rates from gov.uk and HMRC, fetched Oct 2026.

Input parameters:

- `gross_salary` (number, required): Annual gross salary in pounds (GBP), before any deductions.
- `ni_category` (string): National Insurance category letter, default A. C = over State Pension age (no employee NI).
- `pension_amount` (number): Employee pension contribution in pounds a year (gross). Use this OR pension_percent.
- `pension_method` (string): relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). Default salary_sacrifice if a pension is given.
- `pension_percent` (number): Employee pension contribution as a percent of gross salary, e.g. 5. For relief at source this is the gross (grossed-up) contribution.
- `region` (string): Where you live for tax. england, wales, northern_ireland (same bands) or scotland (six Scottish bands). Default england, or taken from an S or C tax code.
- `step` (number): Size of the pay rise to measure over, in pounds (default 100).
- `student_loan_plans` (array): Student loan plans you repay: plan_1, plan_2, plan_4 (Scotland), plan_5, postgraduate. Several are allowed, as gov.uk describes.
- `tax_code` (string): PAYE tax code, default 1257L. Supports nnnnL/M/N/T, S and C prefixes, K codes, BR, D0, D1, SBR, SD0-SD3, 0T, NT and W1/M1/X suffixes.
- `tax_year` (string): UK tax year, 6 April to 5 April. 2025/26 or 2026/27 (default 2026/27).

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/theluckystrike-uk-income-tax-salary-mcp/uk-income-tax-salary-mcp#diagnostics

## Score history

- 2026-11-05: 67
- 2026-11-04: 66
- 2026-11-03: 66
- 2026-11-02: 65
- 2026-11-01: 65
- 2026-10-31: 64
- 2026-10-30: 64

## Common questions

### What is the UK Income Tax and Salary MCP server?

UK Income Tax and Salary is an MCP server listed in the public MCP registry as io.github.theluckystrike/uk-income-tax-salary-mcp. UK income tax and take-home pay 2025/26 and 2026/27: Scottish bands, NI, student loans, 60% trap. This page covers its hosted endpoint (https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp).

### Is the UK Income Tax and Salary MCP server safe to use?

UK Income Tax and Salary scores 67 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the UK Income Tax and Salary MCP server expose?

UK Income Tax and Salary exposes 4 tools: calculate_uk_take_home, get_uk_tax_bands, compare_salaries, marginal_rate_at_income. Their descriptions and schemas cost roughly 1,776 tokens of context every time the server is loaded.

### Does the UK Income Tax and Salary MCP server require authentication?

No. We connected to UK Income Tax and Salary without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the UK Income Tax and Salary MCP server still maintained?

UK Income Tax and Salary is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp
- Repository: https://github.com/theluckystrike/uk-income-tax-salary-mcp
- Website: https://ukmoneycalc.com/
- Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-uk-income-tax-salary-mcp/uk-income-tax-salary-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-uk-income-tax-salary-mcp/uk-income-tax-salary-mcp.json
- HTML version of this page: https://verifymcp.io/servers/theluckystrike-uk-income-tax-salary-mcp/uk-income-tax-salary-mcp