Take-home pay calculator

What you actually keep after income tax, social contributions and regional tax — global coverage, 2026 brackets.

Inputs and result

~60 countries: bracket-accurate for the major economies, flat-rate approximations elsewhere.
Annual take-home
Per month
Per hour (2,080 h/yr)
Effective rate

Enter your salary above to see what you keep.

After tax, you keep the result of pure-browser math — your salary never leaves your machine.

LineAnnual

All math runs in your browser. Numbers are estimates for planning, not tax advice.

Where a country uses a flat-rate approximation, exact figures vary by deductions, locality, credits and filing status — consult a qualified accountant for filing.

Questions

How accurate is this?

It uses 2026 brackets where published and the most recent enacted rates elsewhere, with the standard personal allowance / standard deduction baked in. For tax filing, use a qualified accountant; for forecasting, the figures sit within a few percent of actual payroll for a typical earner.

Which countries are covered?

The library now covers roughly 60 countries. The largest economies — United States, United Kingdom, Germany, France, Canada, Australia, Japan, India and similar — use bracket-accurate progressive calculations, with sub-national breakdowns where they materially change the result (US states, Canadian provinces, UK regions, Swiss cantons). Smaller jurisdictions use flat-rate approximations of the typical middle band. If your country is missing or you'd like a sharper figure for one we already cover, send us a request.

Does this account for 401(k), HSA, pension or other pre-tax contributions?

Not in this version. The calculator assumes no pre-tax deductions, so the gross figure is what you and your employer agreed. To model retirement or pension contributions across a full forecast, use the Pro scenarios planner.

Why a flat rate for some countries?

Most income-tax systems are progressive, but for a planning estimate a single effective rate is within ~1% of the bracketed figure for a typical middle-income earner. We use bracket-accurate maths for the major economies and flat approximations for smaller jurisdictions where the day-to-day variance from deductions, credits and locality dwarfs the bracket effect.

Is my salary data shared anywhere?

No. The calculation is pure JavaScript that runs on your device. Your salary never leaves the browser.