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.
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
| Item | England & Northern Ireland | Scotland | Difference |
|---|---|---|---|
| Income Tax | £7,486 | £9,014 | +£1,528 |
| National Insurance | £2,994 | £2,994 | — |
| Take-Home Pay | £39,520 | £37,992 | -£1,528 |
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
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Calculate your net pay after income tax and National Insurance for any UK region.
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Calculate SDLT, LBTT, or LTT on your property purchase across all UK regions.
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Detailed side-by-side income tax bracket comparison for England and Scotland.
Income Tax Calculator
Calculate your UK income tax liability with full bracket breakdown.