Calculate your exact take-home pay after income tax and deductions. Supports Australia, United States, United Kingdom, Canada, Germany, India, Singapore, UAE, New Zealand, and custom countries with 2024 tax brackets.
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A gross-to-net salary calculator that turns a stated income into estimated take-home pay after income tax and the main statutory deductions for ten regions — Australia, the United States, the United Kingdom, Canada, Germany, India, Singapore, the UAE, New Zealand, plus a Custom flat-rate mode for any other country.
You enter a gross figure for any pay period — annual, monthly, fortnightly, weekly, or hourly — pick a country, and adjust region-specific options (employer super, 401(k) or pension percentage, student loan or HECS, church tax, CPF, ACC levy, and so on). It then applies the relevant 2024–25 tax brackets and contribution rules and shows net pay across every pay frequency, a tax-breakdown donut, and a line-by-line deduction table. People use it to:
Everything runs locally in your browser — nothing is uploaded, and saved templates stay in your own localStorage. The figures are estimates to help you plan, not official tax or payroll advice; confirm final numbers with your employer, accountant, or tax authority.
Gross is the figure you type in — your total income before any tax or deductions. Net (take-home) is what remains after the calculator subtracts income tax and the statutory contributions for your country. The big highlighted number and the bottom row of the breakdown table are your net take-home.
It has built-in 2024–25 rules for Australia (tax + LITO, Medicare levy, HECS/HELP, employer super), the US (federal brackets, Social Security, Medicare/FICA, optional state % and 401(k)), the UK (income tax, National Insurance, Plan 2 student loan, pension), Canada (federal tax, ~8% provincial estimate, CPP, EI), Germany (income tax, solidarity surcharge, church tax, social contributions), India (New Regime + cess and PF), Singapore (income tax + CPF), the UAE (no income tax), and New Zealand (PAYE + ACC levy). Custom mode applies a flat income-tax rate plus a flat social-contribution rate.
Whatever period you enter is annualised first (monthly ×12, fortnightly ×26, weekly ×52, hourly × hours-per-week × 52), tax is calculated on the annual amount, then net pay is divided back out so you see take-home per year, month, fortnight, week, and hour at once.
They're close estimates based on 2024–25 brackets, not official assessments. US state tax and Canadian provincial tax in particular are rough — provincial tax uses a flat ~8% estimate, and you can override the US state rate. Always confirm final figures with your employer, accountant, or tax authority before relying on them.
Not directly — there's no separate overtime field. To include overtime, add it into your gross income (for example, use the hourly mode with a higher hours-per-week figure, or bump the annual gross to reflect expected overtime earnings). The calculator then taxes that combined total.
Salary sacrifice (pre-tax) is taken off your income before tax is calculated, lowering taxable income. Extra tax withheld is an additional fixed amount deducted after tax — useful if you voluntarily withhold more. Both appear as separate lines in the breakdown table.
No. Every calculation runs entirely in your browser, with nothing sent to a server. Templates you save are kept in your browser's localStorage and never leave your device.