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.
How This Take Home Pay Calculator Works
This take home pay calculator estimates your net salary after income tax and mandatory deductions across five countries: the United States, United Kingdom, Canada, Australia, and India. All figures use 2024 tax year rates. For the US, it applies the correct federal income tax bracket based on your filing status plus estimated state income tax and FICA contributions (Social Security and Medicare). For the UK, it applies 2024 to 25 income tax bands and the revised National Insurance rates.
For Canada, it calculates federal income tax using 2024 brackets with the basic personal amount credit, CPP (Canada Pension Plan) contributions, EI (Employment Insurance) premiums, and a simplified Ontario provincial rate. For Australia, it applies the 2024 to 25 post Stage 3 tax cuts plus the Low Income Tax Offset and the 2% Medicare Levy. For India, it uses the New Tax Regime (FY 2024 to 25) with the 87A rebate for income up to Rs 7 lakh and includes Provident Fund contributions.
All results are estimates. Actual tax liability depends on deductions, credits, allowances, local taxes, and individual circumstances not captured here. The effective tax rate shows the combined deduction as a percentage of gross income, which is a useful comparison metric across countries. Always consult a qualified tax professional for your specific situation.
What this tool does
How to use it
Select country
Choose your country and enter your annual gross salary. For the US, also select your filing status.
Calculate
Click Calculate to see estimated income tax, social contributions, and net take home pay.
Review breakdown
Check the deduction breakdown to see exactly how much goes to each tax category.
Plan finances
Use the monthly and weekly figures for budgeting and comparing job offers across countries.
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 £43,500, nearly 27% goes to tax and NI.
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 uses a blended average of approximately 5.5% for illustrative purposes. 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 $168,600 in 2024) and Medicare (1.45% on all wages, plus an additional 0.9% on wages above $200,000 for single 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. From 2024 to 25, the employee rate is 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. The annual NI thresholds changed multiple times in recent years; this calculator uses the rates effective from 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.). The 2024 to 25 New Regime has a rebate under Section 87A for total income up to Rs 7 lakh, effectively making income up to Rs 7 lakh tax free. 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.