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 2024 rates with standard deductions and a simplified average state or provincial rate. Pension contributions, salary sacrifice, student loan repayments, 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 bracket table hardcoded from published 2024 tax year figures. Everything below is exactly what the code computes, not a marketing simplification of it, 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, 2024 federal brackets
Single filer brackets: 10% to $11,600, 12% to $47,150, 22% to $100,525, 24% to $191,950, 32% to $243,725, 35% to $609,350, 37% above that. Married filing jointly roughly doubles each threshold. A standard deduction, $14,600 single or $29,200 joint, is subtracted from gross before brackets apply. On top of federal tax, the tool adds Social Security at 6.2% up to a $168,600 wage cap, Medicare at 1.45% plus an extra 0.9% on income above $200,000, and a simplified flat 5.5% state tax that does not represent any single real state’s actual rate.
| Component | Rate / rule |
|---|---|
| Federal brackets | 10% / 12% / 22% / 24% / 32% / 35% / 37% |
| Standard deduction | $14,600 single, $29,200 married filing jointly |
| Social Security | 6.2%, capped at $168,600 of wages |
| Medicare | 1.45%, plus 0.9% on income above $200,000 |
| State tax | Flat 5.5% estimate, not state-specific |
Worked example, US single filer, $100,000 gross: taxable income after the standard deduction is $85,400, which produces $13,841 of federal tax across the 10, 12 and 22 percent brackets. Add Social Security of $6,200, Medicare of $1,450, and the flat state estimate of $5,500, for total deductions of $26,991. Take home pay lands at $73,009, an effective rate of 27.0%.
The other four countries, as coded
United Kingdom, 2024-25
A £12,570 personal allowance is subtracted first. The remainder is taxed at 20% up to £37,700, 40% up to £112,570, then 45% beyond. National Insurance is layered on separately and calculated on gross, not taxable income: 8% between £12,570 and £50,270, then 2% above £50,270.
Canada, 2024 federal only
Federal brackets run 15% to $55,867, up through 33% above $220,000, applied to gross income directly. A basic personal amount credit of $15,705 times 15% is subtracted from the computed tax. CPP is 5.95% on earnings between $3,500 and $73,200, EI is 1.66% up to $63,200, and provincial tax is a flat 9.15% modeled on Ontario, not your actual province.
Australia, 2024-25 Stage 3 rates
Brackets are 0% to $18,200, 19% to $45,000, 32.5% to $135,000, 37% to $190,000, 45% above, applied to gross directly with no separate deduction step. A Low Income Tax Offset up to $700 phases out between $37,500 and $66,667. A 2% Medicare Levy is added on top.
India, FY 2024-25 New Regime
Brackets run 0% to ₹3,00,000, up to 30% above ₹15,00,000, applied to gross. A rebate under Section 87A zeroes out tax entirely for income at or below ₹7,00,000. A 4% health and education cess applies to whatever tax remains, and Provident Fund is estimated at 12% of half the gross figure, capped at ₹21,600 a year.
This is a planning estimate built from published 2024 bracket tables, 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 2024-25 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 or Canadian provinces where the flat rate assumption still gives a workable ballpark, 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 £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.
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