pound.one

Calculate annual take-home pay

calculate_take_home

Read-onlyIdempotent

Employee income tax and National Insurance for 2026/27, or the gross salary needed for a target net income. England, Wales and Northern Ireland only; Scotland is unsupported. Excludes pensions, student loans, benefits and other income. Includes a historical UK taxpayer income rank.

Input Schema

Name	Required	Description	Default
`mode`	No		gross
`amount`	Yes	Annual gross salary (gross mode), or annual target take-home pay (net mode), in whole GBP. Multiply monthly figures by 12 first.
`region`	Yes	Confirm the tax jurisdiction; Scottish income tax is not supported.

Output Schema

Name	Required	Description	Default
`ni`	Yes
`pa`	Yes
`net`	Yes
`tax`	Yes
`url`	Yes
`card`	Yes
`data`	Yes
`mode`	Yes
`bands`	Yes
`gross`	Yes
`rules`	Yes
`amount`	Yes
`period`	Yes
`region`	Yes
`weekly`	Yes
`caveats`	Yes
`monthly`	Yes
`sources`	Yes
`taxable`	Yes
`currency`	Yes
`headline`	Yes
`marginal`	Yes
`shareUrl`	Yes
`allInRate`	Yes
`employerNi`	Yes
`percentile`	Yes
`assumptions`	Yes
`inputAmount`	Yes
`effectiveRate`	Yes
`costToEmployer`	Yes
`requestedAnnualNet`	No
`netRoundingDifference`	No

Schema Changelog

Changes observed during successful MCP inspections.

Changed1 schema field changedOct 2, 2026

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "$schema": "https://json-schema.org/draft/2020-12/schema",
+  "additionalProperties": {},
+  "properties": {
+    "allInRate": {
+      "type": "number"
+    },
+    "amount": {
+      "type": "number"
+    },
+    "assumptions": {
+      "items": {
+        "type": "string"
+      },
+      "type": "array"
+    },
+    "bands": {
+      "items": {
+        "additionalProperties": {},
+        "properties": {
+          "amount": {
+            "type": "number"
+          },
+          "name": {
+            "type": "string"
+          },
+          "rate": {
+            "type": "number"
+          },
+          "tax": {
+            "type": "number"
+          }
+        },
+        "required": [
+          "name",
+          "rate",
+          "amount",
+          "tax"
+        ],
+        "type": "object"
+      },
+      "type": "array"
+    },
+    "card": {
+      "format": "uri",
+      "type": "string"
+    },
+    "caveats": {
+      "items": {
+        "type": "string"
+      },
+      "type": "array"
+    },
+    "costToEmployer": {
+      "type": "number"
+    },
+    "currency": {
+      "const": "GBP",
+      "type": "string"
+    },
+    "data": {
+      "additionalProperties": {},
+      "properties": {
+        "percentileYear": {
+          "type": "string"
+        },
+        "taxSource": {
+          "type": "string"
+        },
+        "taxYear": {
+          "type": "string"
+        }
+      },
+      "required": [
+        "taxYear",
+        "percentileYear",
+        "taxSource"
+      ],
+      "type": "object"
+    },
+    "effectiveRate": {
+      "type": "number"
+    },
+    "employerNi": {
+      "type": "number"
+    },
+    "gross": {
+      "type": "number"
+    },
+    "headline": {
+      "type": "string"
+    },
+    "inputAmount": {
+      "type": "number"
+    },
+    "marginal": {
+      "type": "number"
+    },
+    "mode": {
+      "enum": [
+        "gross",
+        "net"
+      ],
+      "type": "string"
+    },
+    "monthly": {
+      "type": "number"
+    },
+    "net": {
+      "type": "number"
+    },
+    "netRoundingDifference": {
+      "type": "number"
+    },
+    "ni": {
+      "type": "number"
+    },
+    "pa": {
+      "type": "number"
+    },
+    "percentile": {
+      "additionalProperties": {},
+      "properties": {
+        "fractionBelow": {
+          "type": "number"
+        },
+        "method": {
+          "type": "string"
+        },
+        "population": {
+          "type": "string"
+        },
+        "rank": {
+          "type": "string"
+        },
+        "year": {
+          "type": "string"
+        }
+      },
+      "required": [
+        "fractionBelow",
+        "rank",
+        "year",
+        "population",
+        "method"
+      ],
+      "type": "object"
+    },
+    "period": {
+      "const": "annual",
+      "type": "string"
+    },
+    "region": {
+      "enum": [
+        "England",
+        "Wales",
+        "Northern Ireland"
+      ],
+      "type": "string"
+    },
+    "requestedAnnualNet": {
+      "type": "number"
+    },
+    "rules": {
+      "type": "string"
+    },
+    "shareUrl": {
+      "format": "uri",
+      "type": "string"
+    },
+    "sources": {
+      "items": {
+        "additionalProperties": {},
+        "properties": {
+          "label": {
+            "type": "string"
+          },
+          "url": {
+            "format": "uri",
+            "type": "string"
+          }
+        },
+        "required": [
+          "label",
+          "url"
+        ],
+        "type": "object"
+      },
+      "type": "array"
+    },
+    "tax": {
+      "type": "number"
+    },
+    "taxable": {
+      "type": "number"
+    },
+    "url": {
+      "format": "uri",
+      "type": "string"
+    },
+    "weekly": {
+      "type": "number"
+    }
+  },
+  "required": [
+    "currency",
+    "amount",
+    "headline",
+    "sources",
+    "assumptions",
+    "caveats",
+    "url",
+    "card",
+    "shareUrl",
+    "period",
+    "inputAmount",
+    "mode",
+    "region",
+    "rules",
+    "gross",
+    "pa",
+    "taxable",
+    "tax",
+    "ni",
+    "net",
+    "monthly",
+    "weekly",
+    "employerNi",
+    "costToEmployer",
+    "effectiveRate",
+    "allInRate",
+    "marginal",
+    "bands",
+    "percentile",
+    "data"
+  ],
+  "type": "object"
+}

First observedOct 2, 2026

TDQS

A4.3/5.0

Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds meaningful context beyond that: the tax year, the explicit Scottish exclusion, and the modelling limitations (pensions, student loans, benefits excluded) that determine whether the output is trustworthy. It does not discuss rounding or precision of the result.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Three tightly packed sentences: what it computes, where it applies, what it omits. Front-loaded with the core purpose and no filler.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

With an output schema present, return details need not be explained, and the description still flags the extra historical income rank. Between the description's scope/limitation statements and the schema's parameter constraints, an agent has everything needed to invoke this correctly.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 67%, and the description largely restates what the schema's amount field already says about gross-vs-target interpretation in each mode. It reinforces the region restriction but adds no new syntax or format detail, so baseline 3 is appropriate.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific verb+resource (employee income tax and National Insurance for 2026/27) and covers both directions of calculation: gross-to-net and net-to-gross target. Scope is nailed down by jurisdiction (England, Wales, Northern Ireland) and by what is excluded, so an agent can distinguish it from the sibling fiscal tools without opening the schema.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description tells the agent clearly when this applies (UK tax year 2026/27, non-Scottish jurisdictions) and what it will not account for (pensions, student loans, benefits, other income), which is effectively when-not-to-trust the result. It does not name or route to any alternative tool, so it falls short of a 5.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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