takehomeapi-com Take Home API
The Take Home API from takehomeapi-com — 1 operation(s) for take home.
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OpenAPI Specification
openapi: 3.2.0
info:
title: TakeHome Take Home 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: Take Home
paths:
/v1/take-home:
post:
operationId: calculateTakeHome
summary: Take-home pay for one employee scenario
x-price-usd: 0.01
security:
- apiKey: []
- x402: []
requestBody:
required: true
content:
application/json:
schema:
type: object
additionalProperties: false
required:
- grossSalary
properties:
grossSalary:
type: number
minimum: 0
maximum: 100000000
description: Annual gross salary in GBP before any deductions.
examples:
- 45000
taxYear:
type: string
enum:
- 2025-26
- 2026-27
default: 2026-27
region:
type: string
enum:
- rUK
- scotland
- england
- wales
- northern-ireland
- ni
default: rUK
description: Where the employee is a taxpayer. England, Wales and Northern Ireland share rUK bands.
studentLoans:
type: array
maxItems: 2
items:
type: string
enum:
- plan1
- plan2
- plan4
- plan5
- postgrad
description: At most one undergraduate plan, optionally plus postgrad. plan5 applies from 2026-27.
pension:
type: object
additionalProperties: false
required:
- percent
- method
properties:
percent:
type: number
minimum: 0
maximum: 100
description: Gross contribution as a % of salary.
method:
type: string
enum:
- salary_sacrifice
- net_pay
- relief_at_source
childBenefitAnnual:
type: number
minimum: 0
description: Child Benefit received in the year, for the High Income Child Benefit Charge.
example:
grossSalary: 45000
region: rUK
studentLoans:
- plan2
pension:
percent: 5
method: salary_sacrifice
responses:
'200':
description: Breakdown
content:
application/json:
schema:
type: object
properties:
data:
type: object
properties:
input:
type: object
personalAllowance:
type: number
adjustedNetIncome:
type: number
taxableIncome:
type: number
incomeTax:
type: object
properties:
total:
type: number
bands:
type: array
items:
type: object
properties:
band:
type: string
rate:
type: number
taxedAmount:
type: number
tax:
type: number
nationalInsurance:
type: number
studentLoan:
type: object
pension:
type: object
childBenefitCharge:
type: number
netPay:
type: object
properties:
annual:
type: number
monthly:
type: number
weekly:
type: number
description: Paid through payroll.
netAfterAllCharges:
type: object
properties:
annual:
type: number
monthly:
type: number
weekly:
type: number
description: Net pay minus the High Income Child Benefit Charge.
effectiveRate:
type: number
description: Share of gross lost to tax, NI, student loan and HICBC.
marginalRate:
type: number
description: Share of the next £100 of salary lost to deductions.
assumptions:
type: array
items:
type: string
sources:
type: array
items:
type: string
format: uri
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: {}
'401':
description: Missing or invalid API key
'402':
description: 'Payment required (x402): pay in USDC and retry'
'429':
description: Monthly plan limit reached
tags:
- Take Home
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.