Which tax year is supported?

Each country uses its latest available tax year preset; switch the tax year dropdown for country-specific labels.

Assumptions by country

UK uses PAYE with student loan options; Ireland assumes a single PAYE employee with standard credits; US uses federal tax only with the standard deduction; Australia uses resident rates with Medicare levy.

What’s not included yet?

State/local taxes (US), USC/PRSI reliefs and credits (IE), HELP/HECS and Medicare surcharge (AU), and UK regional rate splits or benefits are not modeled.

Can I include bonuses?

Yes—add one-off payments to see how they affect take-home pay.

Salary Take-Home

Choose a country, pick pension mode, and see your estimated net pay. Figures are estimates only—verify before relying on them.

Assumptions

Not included yet

Country Pension mode

Salary sacrifice reduces taxable, NI, and student-loan pay. Relief-at-source is taken from your net pay (NI/SL unaffected).

Gross salary (annual) Pay frequency Pension (employee %) — default 5% Student loan

Advanced (edit bands & thresholds) Tax year:

Personal allowance (£) Set to 0 if fully tapered. Allowance taper starts (£) Allowance reduces £1 per £2 over this.

Tax band 20% up to (£ above PA) Tax band 40% next up to Additional rate (45%) above Applies to the remainder.

NI: main threshold (£) NI: main rate (%) to UEL NI: UEL (£)

NI: rate above UEL (%)

Plan 1 threshold Plan 2 threshold Plan 4 threshold Postgrad threshold

Plan 1 rate % Plan 2 rate % Plan 4 rate % Postgrad rate %

These are example 2024/25 style presets. Tax rules change—update values as needed.

Net pay (per period)

—

Deductions (annual)

—

Effective tax rate

—

Show annual breakdown

Item	Amount (annual, )

Help & FAQ — Salary Take-Home Calculator

How to use

Enter your gross salary, pay frequency, and tax year.
Select a country-specific pension mode and contributions.
Review net pay per period and annual summaries with local currency.

Use cases

Estimate net pay after taxes and deductions.
Compare job offers on take-home pay.

Tips & FAQs

Which tax year is supported?: Each country uses its latest available tax year preset; switch the tax year dropdown for country-specific labels.
Assumptions by country: UK uses PAYE with student loan options; Ireland assumes a single PAYE employee with standard credits; US uses federal tax only with the standard deduction; Australia uses resident rates with Medicare levy.
What’s not included yet?: State/local taxes (US), USC/PRSI reliefs and credits (IE), HELP/HECS and Medicare surcharge (AU), and UK regional rate splits or benefits are not modeled.
Can I include bonuses?: Yes—add one-off payments to see how they affect take-home pay.

Formats & limits

Baseline employee models only; adjust if your situation differs
Does not cover complex benefits, credits, or employer contributions
For guidance only—not official tax advice

Privacy

Calculations run locally in your browser; no financial data leaves your device.

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Updated

15 October 2025