How is take-home pay calculated?

Take-home pay (net pay) is your gross salary minus income tax, social security contributions, and other mandatory deductions. In the US, this includes federal income tax, Social Security (6.2%), and Medicare (1.45%). In the UK, income tax and National Insurance are deducted. In Australia, PAYG income tax and the Medicare levy apply. In Canada, federal income tax, CPP, and EI are deducted.

What is the difference between gross and net pay?

Gross pay is your total salary before any deductions. Net pay (take-home pay) is what you actually receive after all taxes and mandatory contributions are removed. The difference can be significant: a $75,000 US salary may result in take-home pay of approximately $55,000-$58,000 after federal tax and FICA.

Does this calculator include state or provincial taxes?

This calculator covers federal-level deductions only: US federal income tax and FICA, UK income tax and NI, Australian federal income tax and Medicare levy, and Canadian federal income tax, CPP, and EI. State income taxes (US), Scottish income tax (UK), and provincial income taxes (Canada) are not included as they vary by location.

How accurate is this take-home pay estimate?

This calculator provides a close estimate based on standard tax rates and typical deductions. Actual take-home pay may differ based on pre-tax deductions (401k, health insurance, HSA in the US), tax credits, student loan repayments, pension contributions, and other personal circumstances. Always verify with your employer payslip or a qualified accountant.

Take-Home Pay Calculator

Calculate your net salary after income tax and mandatory deductions. Covers the US, UK, Australia, and Canada.

Federal rates only. This calculator covers federal-level deductions. US state taxes, Canadian provincial taxes, and Scottish income tax rates are not included.

Country

Filing Status

Gross Annual Salary ($)

Pay Period (results shown per)

Gross Pay

Total Deductions

Take-Home Pay

Full Breakdown

Deduction	Annual	Monthly

Marginal Tax Rate:

Effective Tax Rate:

The marginal rate is the rate on your last dollar of income. The effective rate is your total income tax as a percentage of gross income.

How the Calculation Works

US (Federal): Your gross salary minus the standard deduction is your taxable income. Federal income tax is calculated using progressive marginal brackets. FICA includes Social Security (6.2% on first $184,500) and Medicare (1.45% on all income, plus 0.9% additional on income over $200,000).

Standard deduction (single 2024): $14,600 | (married): $29,200

Federal brackets: 10% / 12% / 22% / 24% / 32% / 35% / 37%

Frequently Asked Questions

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Data & sources

Figures used by this calculator. US tax year 2026; UK 2026/27 (thresholds frozen: personal allowance £12,570, higher-rate £50,270); Australia 2025-26; Canada 2026. Federal-level only — US state, UK Scottish, and Canadian provincial taxes are not included.

US · 2026 — Reflects One Big Beautiful Bill Act amendments. IRS ↗ (verified 2026-08-25)
US · 2026 — Us Standard Deduction Married IRS ↗ (verified 2026-08-25)
US · 2026 — OASDI taxable maximum; up from $176,100 in 2025. Social Security Administration ↗ (verified 2026-08-25)
AU · 2025-26 — Resident rates, excludes 2% Medicare levy. From 1 July 2026 the 16% rate falls to 15% (2026-27). ATO ↗ (verified 2026-08-25)
CA · 2026 — Lowest federal rate reduced to 14% for 2026. CRA ↗ (verified 2026-08-25)
CA · 2026 — Federal Basic Personal Amount 2026. CRA ↗ (verified 2026-08-25)
CA · 2026 — Confirmed against the CRA current-year brackets page on 2026-08-25. CPP 2026: YMPE ,600, exemption \,500, 5.95%; CPP2 second ceiling (YAMPE) ,000 at 4%. EI 2026: max insurable \8,900 at 1.63%. CRA (corroborated across multiple 2026 references) ↗ (verified 2026-08-25)

Figures are estimates for general information, not tax or financial advice. Rules change and individual circumstances vary — confirm with the official source or a qualified adviser before acting.