Take-Home Pay Calculator
See what actually lands in your account after income tax, social contributions and other deductions.
Gross to Net, With Your Own Tax Rules
Tax systems differ by country, so every allowance, band threshold, rate and contribution ceiling below is an input you can edit. The defaults are illustrative round numbers, not a real tax code.
Understanding Take-Home Pay
Bands Are Slices, Not Cliffs
A common fear is that a pay rise pushing you into a higher band re-taxes your whole salary at that rate. It does not. Each band charges its rate only on the income that falls inside it, so a raise is always worth taking. Only the portion above the threshold carries the higher rate, which is why your effective rate always sits well below your marginal rate.
Why Contribution Ceilings Matter
- Most social security schemes stop charging above an earnings ceiling
- Once you pass it, your contribution stays flat in cash terms and falls as a share of pay
- That makes the contribution regressive at the top even when income tax is progressive
- Set the ceiling to 0 above to model an uncapped levy such as a health contribution
Deductible or Not Changes the Answer
Whether contributions come out before or after tax is worth checking. Payroll taxes are usually charged on full gross and give no tax relief. Statutory or workplace pension contributions often reduce taxable income instead, so each dollar contributed costs you less than a dollar of net pay. On the defaults here, switching that setting moves the tax bill by hundreds of dollars.
What This Model Leaves Out
- State, provincial or municipal income taxes charged alongside the national one
- Tax credits, joint or household filing, and dependant reliefs
- Allowances that taper away once income passes a threshold
- Bonuses, commission and benefits in kind taxed on a different basis
- Student loan repayments, which usually run on their own threshold and rate