Net Salary Calculator: Take-Home Pay After Tax
Work out your take-home pay after income tax and payroll deductions. Pick a country, region and filing status, add a pre-tax pension and see every line with its rate, which you can edit and reset.
Loading the tax rules…
About the Net Salary Calculator
The Net Salary Calculator turns a gross salary into take-home pay. Choose a country, then a region and your filing status when the country has them, enter your gross salary for a year, month, 4 weeks, 2 weeks or week, and add a pre-tax pension contribution as a percentage of pay. The result shows net pay per year, per month and per the period you choose, the total deductions and their share of gross pay, and a breakdown table with one row per tax or contribution.
Every row names the line, its scope (the country or the region that charges it), the tax year and the rate applied, for example "Social Security · United States · federal · 2026 · 6.2%". The header line shows which tax year the rules are for, the year this calculator was created, and the month the rates were last checked against the official sources.
The page opens with the United States, Texas and a single filer. Texas has no state income tax, so the first result shows only federal lines, all taken from published 2026 IRS figures. For a US state page with its own explanation, see the Paycheck Calculator and the state pages such as the New York Paycheck Calculator.
How net pay is worked out
Annual first
The salary is turned into a yearly figure (a monthly salary times 12, a 2-weekly salary times 26 and so on). Every tax and contribution is worked out on the yearly amount and rounded once, to the cent. Monthly and per-period figures are the yearly figure divided by the number of periods, so they never drift from the yearly total.
Kinds of line
Income taxes are usually progressive bands: each slice of taxable income is charged at its own rate. Social contributions are usually a flat percentage of pay, often up to a yearly wage cap or above a floor. Some lines are a share of another line, such as a surcharge on income tax, and some countries subtract fixed credits.
Pre-tax pension
The pension field takes a percentage of gross pay. Each country decides what it lowers: in the United States a traditional 401(k) lowers federal and most state income tax but not Social Security or Medicare, and it is capped at the yearly limit. The pension shows as its own row, and net pay is gross minus the pension minus every deduction.
Edit and reset the rates
The Tax rates panel lists every rate that applies to you as a field, with its scope, the tax year and its default ("Default 6.2%"). Thresholds, wage caps and allowances are shown beside each rate as read-only text. Change a rate, for example to try next year's announced cut, and the result updates at once; the field shows an "Edited" marker. One button, Reset to 2026 defaults, puts every rate back, and changing the country or region also restores the defaults. Edits are not saved.
If a set of edited rates would take more than the whole salary, the page says so instead of showing a negative figure.
What the estimate leaves out
The result is an estimate for one employee with standard allowances. It leaves out itemised deductions, tax credits for children or low incomes, local and city taxes, bonuses taxed at special withholding rates, employer costs, and income other than salary. Payroll withholding tables can spread tax a little differently over the year, so a payslip can differ by small amounts. Each country lists its own assumptions under the result, with links to every official source.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary, pension and edited rates are not stored or sent anywhere.
Related tools
Work out gross pay from hours, overtime, bonus and commission with the Gross Pay Calculator, and turn an hourly rate into a yearly salary with the Hourly to Salary Calculator before you enter it here.
Frequently asked questions
What is the difference between gross and net salary?
Gross salary is what you earn before anything is taken off. Net salary, or take-home pay, is what is left after income tax, social contributions such as Social Security and Medicare, and any pre-tax pension contribution.
Which countries does the calculator cover?
It starts with the United States for the 2026 tax year: federal income tax, FICA and every state whose 2026 values are confirmed. More countries are added as their rules are checked, each with its own sources and tax year shown on the page.
Can I change a tax rate?
Yes. Every rate is a field in the Tax rates panel with its default beside it. Change one and the result updates at once, and the field is marked Edited. Reset to 2026 defaults puts every rate back. Thresholds and allowances are shown but cannot be edited.
How are monthly and per-paycheck figures worked out?
Every line is worked out on the yearly amount and rounded once to the cent. Net pay per month is the yearly net divided by 12, and per 2 weeks it is divided by 26, rounded half up. The figures are never added back up, so they always match the yearly total.
Why can my payslip differ from the result?
The result is an estimate of the yearly liability for one employee with standard allowances. Payroll withholding tables, credits, itemised deductions, local taxes and bonuses taxed at special rates can all move a payslip by small amounts.
Is my salary sent anywhere?
No. Every calculation runs in your browser on your own device. Your salary, pension and any rates you edit are not stored, logged or sent anywhere.