Take Home Pay Calculator Net Salary After Tax (US, UK, CA, AU, IN)
Estimate your net salary after income tax and mandatory deductions for five countries. See monthly take home pay, effective tax rate, and full deduction breakdown. Free and instant.
Take-Home Pay Calculator
Estimate net salary after income tax and social contributions for the US, UK, Canada, Australia and India.
Estimates use current rules: US 2026, UK 2026/27, Canada 2026 with Ontario, Australia 2026-27 and India FY 2026-27, with standard deductions and the US state rate you enter. Pension contributions, salary sacrifice, student loan repayments, most credits and local levies are not modelled. Treat the result as a ballpark, not a payslip.
Exactly which tax brackets and payroll deductions this calculator uses, country by country
Take home pay estimators live or die on the accuracy of the numbers baked into them. This tool covers five countries, the United States, United Kingdom, Canada, Australia and India, each with its own rules for the tax year that is current in October 2026. Everything below is exactly what the code computes, so you know precisely what assumptions you're relying on.
The shared bracket engine
Every country runs through the same progressive bracket function. It walks each bracket from lowest to highest, and for any bracket your income has fully passed, it taxes the full width of that bracket at that bracket's rate. For the bracket your income currently sits in, it taxes only the portion above the bracket floor.
United States, 2026 tax year
Single filer brackets: 10% to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600, 37% above that. Married filing jointly uses $24,800, $100,800, $211,400, $403,550, $512,450 and $768,700. The standard deduction, $16,100 single or $32,200 joint, comes off gross before brackets apply. On top of federal tax, the tool adds Social Security at 6.2% up to a $184,500 wage cap, Medicare at 1.45% plus 0.9% above $200,000 ($250,000 joint), and a state income tax at the flat rate you enter, applied after the standard deduction.
| Component | Rate / rule |
|---|---|
| Federal brackets | 10% / 12% / 22% / 24% / 32% / 35% / 37% |
| Standard deduction | $16,100 single, $32,200 married filing jointly |
| Social Security | 6.2%, capped at $184,500 of wages |
| Medicare | 1.45%, plus 0.9% above $200,000 ($250,000 joint) |
| State tax | Your own flat rate, 4% by default, 0 for states with no income tax |
Worked example, US single filer, $100,000 gross, 4% state rate: taxable income after the standard deduction is $83,900, which produces $13,170 of federal tax across the 10, 12 and 22 percent brackets. Add Social Security of $6,200, Medicare of $1,450 and state tax of $3,356, for total deductions of $24,176. Take home pay lands at $75,824, an effective rate of 24.2%.
The other four countries, as coded
United Kingdom, 2026/27
Rates for England, Wales and Northern Ireland. A £12,570 personal allowance, reduced by £1 for every £2 earned over £100,000, comes off first. Taxable income is then taxed at 20% up to £37,700, 40% up to £125,140 and 45% above. Employee National Insurance is 8% between £12,570 and £50,270, then 2% above. Scottish income tax bands are not modelled.
Canada, 2026, Ontario
Federal brackets run 14% to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above. Credits at 14% cover the basic personal amount ($16,452, tapering above $181,440), the Canada employment amount, base CPP and EI. Ontario tax uses its own brackets from 5.05% to 13.16%, plus surtax, the Ontario tax reduction and the Ontario Health Premium. CPP is 5.95% from $3,500 to $74,600, CPP2 is 4% up to $85,000, and EI is 1.63% up to $68,900.
Australia, 2026-27
Resident rates of 0% to $18,200, 15% to $45,000, 30% to $135,000, 37% to $190,000 and 45% above. The Low Income Tax Offset of up to $700 phases out between $37,500 and $66,667. The 2% Medicare Levy starts above $28,011 and phases in up to $35,013, using the latest published thresholds.
India, FY 2026-27 New Regime
A ₹75,000 standard deduction comes off first. Slabs are nil to ₹4 lakh, then 5%, 10%, 15%, 20% and 25% in ₹4 lakh steps, and 30% above ₹24 lakh. The Section 87A rebate makes tax nil up to ₹12 lakh of taxable income, with marginal relief just above it. Surcharge applies above ₹50 lakh, a 4% cess applies to tax plus surcharge, and employee Provident Fund is estimated at 12% of a basic pay assumed to be half of gross, capped at ₹1,800 a month.
This is a planning estimate built from the published rates for each country's current tax year, not a substitute for a tax return or a professional's calculation of your actual liability, which will differ based on deductions, credits, and local rules this simplified model doesn't cover.
Tax and payroll references
- IRS federal income tax brackets for the US figures this tool codes directly.
- UK government income tax rates covering the personal allowance and band thresholds used here.
- Canada Revenue Agency federal tax rates for the bracket table this tool applies.
- Australian Taxation Office resident tax rates, including the Stage 3 cuts effective from 1 July 2024.
- Income Tax Department of India, new regime slabs for the FY 2026-27 figures modeled here.
Payslip questions this settles
Comparing a job offer's stated gross salary across two different countries on a rough net basis, sanity checking a first payslip against what you expected to actually receive, budgeting a move between US states by changing the state rate, and estimating how much of a raise actually reaches your bank account after tax and payroll deductions.
Frequently Asked Questions
Gross salary is your total pay before any deductions, the number on your employment contract or offer letter. Net salary (take home pay) is what actually lands in your bank account after income tax, National Insurance or Social Security, and other mandatory deductions. The gap between gross and net can be substantial: a UK salary of £60,000 has a net of roughly £45,350 in 2026/27, so about 24% goes to tax and NI before any pension contribution.
US state income taxes vary from 0% (Texas, Florida, Nevada, Washington) to over 13% (California). Because the exact rate depends on your state and local municipality, this tool lets you enter your own flat state rate, 4% by default. Set it to 0 if your state has no income tax. For an accurate figure, look up your specific state tax bracket, the IRS website and your state revenue department publish official rates.
FICA (Federal Insurance Contributions Act) covers two payroll taxes in the US: Social Security (6.2% on wages up to $184,500 in 2026) and Medicare (1.45% on all wages, plus an additional 0.9% on wages above $200,000 for single filers or $250,000 for joint filers). These fund retirement and healthcare benefits respectively. Your employer pays an equal matching amount on top, so the total FICA burden per employee is 15.3% of wages up to the Social Security cap.
National Insurance (NI) is the UK equivalent of Social Security, it funds the state pension and NHS services. For 2026/27 the employee rate is 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270, the same rates that have applied since April 2024. Employers also pay NI, which is a cost on top of your salary and not reflected in your take home.
The New Tax Regime, introduced in FY 2020 to 21 and made the default regime from FY 2023 to 24, offers lower tax rates without most deductions (no Section 80C, 80D, HRA, etc.). From FY 2025-26, and still in FY 2026-27, the New Regime has a Section 87A rebate that makes taxable income up to Rs 12 lakh tax free, which means a salary of up to Rs 12.75 lakh after the Rs 75,000 standard deduction. The Old Regime allows deductions like PF contributions, insurance premiums, and HRA but has higher slab rates. This calculator uses the New Regime as it is now the default for employees who do not actively choose otherwise.
No. This calculator covers income tax and mandatory payroll deductions only. Council tax (UK), property tax (US), sales tax, and other consumption based taxes are not included because they depend on your location, housing situation, and spending patterns rather than your salary level alone.
Raw salary numbers are misleading across borders because of tax rates, cost of living, purchasing power parity (PPP), and benefits like universal healthcare. A good starting point is to compare after tax take home pay in a common currency at current exchange rates, then adjust for cost of living using indices like Numbeo or the EIU Cost of Living Index. A $100,000 salary in San Francisco and a $100,000 salary in Austin have very different real purchasing power.
For India, the Provident Fund (PF) employee contribution of 12% of basic salary (capped at Rs 21,600/year) is included as a deduction. For the UK, mandatory auto enrollment pension contributions (minimum 5% employee) are not included because the statutory minimum varies by employer. For Canada, Australia, and the US, employer matched retirement contributions (RRSP, superannuation, 401k employer match) are benefits on top of the stated gross salary, not deductions from it.
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