U
UK Tax Tools

UK Relocation Tax Calculator

Compare income tax, National Insurance, and stamp duty costs when moving between England, Scotland, and Wales. See your annual take-home pay difference and property purchase tax (SDLT, LBTT, or LTT) side by side for 2025/26.

Compare Tax Between UK Regions

Leave at 0 to skip stamp duty comparison

Moving from England & Northern Ireland to Scotland: £1,528 less take-home per year (£127/month)

Annual Difference

-£1,528

Take-home pay per year

Monthly Difference

-£127

Take-home pay per month

5-Year Net Impact

-£7.6k

5× annual take-home difference

Tax Breakdown
ItemEngland & Northern IrelandScotlandDifference
Income Tax£7,486£9,014+£1,528
National Insurance£2,994£2,994
Take-Home Pay£39,520£37,992-£1,528
Take-Home vs Tax & NIC
Share

Frequently asked questions

Does income tax differ between Scotland and England?

Yes. Scotland sets its own income tax rates and bands, which are different from the rest of the UK. For most incomes above £27,000, Scottish taxpayers pay slightly more income tax than those in England, Wales, or Northern Ireland. Below that threshold, Scottish rates can be lower. National Insurance contributions are the same across all UK regions.

What is the difference between SDLT, LBTT, and LTT?

These are the three different property purchase taxes in the UK. SDLT (Stamp Duty Land Tax) applies in England and Northern Ireland. LBTT (Land and Buildings Transaction Tax) applies in Scotland. LTT (Land Transaction Tax) applies in Wales. Each has different rates and thresholds, so the amount you pay depends on which country the property is located in, not where you currently live.

Is National Insurance the same across all UK regions?

Yes. National Insurance contributions are set by the UK government and apply uniformly across England, Scotland, Wales, and Northern Ireland. Unlike income tax, NIC rates and thresholds are the same regardless of which UK region you live or work in.

Sources

Related Calculators

Last updated 15 April 2026Tax year 2025-26

Data sources: HMRC (gov.uk/hmrc)

This tool is general information only, not financial advice.

Read our methodology →