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OpenAPI Specification

openapi: 3.2.0
info:
  title: TakeHome Rates API
  version: 1.0.0
  summary: UK take-home pay calculations with GOV.UK sources and workings on every result.
  description: Calculates UK income tax (rUK and Scotland), employee NI, student loans, pensions and the High Income Child Benefit Charge for tax years 2025-26 and 2026-27. Estimates based on published HMRC and Scottish Government rates. Not tax advice.
  contact:
    url: https://takehomeapi.com
servers:
- url: https://api.takehomeapi.com
tags:
- name: Rates
paths:
  /v1/rates:
    get:
      operationId: getRates
      summary: Rates and thresholds for a tax year (free)
      x-price-usd: 0
      parameters:
      - name: taxYear
        in: query
        schema:
          type: string
          enum:
          - 2025-26
          - 2026-27
          default: 2026-27
      responses:
        '200':
          description: Rates
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: object
                  meta:
                    type: object
                    properties:
                      apiVersion:
                        type: string
                      disclaimer:
                        type: string
        '400':
          description: Invalid input
          content:
            application/json:
              schema:
                type: object
                properties:
                  error:
                    type: object
                    properties:
                      code:
                        type: string
                      message:
                        type: string
                      details: {}
      tags:
      - Rates
components:
  securitySchemes:
    apiKey:
      type: apiKey
      in: header
      name: X-API-Key
      description: 'Free key: 100 calls/month. Also accepted as Authorization: Bearer <key>.'
    x402:
      type: apiKey
      in: header
      name: PAYMENT-SIGNATURE
      description: Pay per call with x402 (USDC on Base), no account needed. Call without credentials to receive HTTP 402 with the payment terms. Price per call is in x-price-usd.