Which tax years are supported?

UK and Australia use 2024/25 presets; Ireland and the US use 2024. These are estimates for those presets, rather than current-year payroll quotes.

What assumptions are used?

UK uses a PAYE baseline with National Insurance and student loan options; Ireland uses a single PAYE employee with standard credits, USC and PRSI; the US uses a single filer with federal income tax, standard deduction and FICA; Australia uses resident rates and Medicare levy.

Read the country-specific exclusions above the inputs. Bonuses, benefits, employer contributions and several regional taxes, credits and reliefs are outside this model.

Can I include bonuses?

There is no separate bonus input. The model uses the gross pay and frequency you enter.

Salary Take-Home Calculator

Estimate take-home pay after taxes and deductions.

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 years are supported?: UK and Australia use 2024/25 presets; Ireland and the US use 2024. These are estimates for those presets, rather than current-year payroll quotes.
What assumptions are used?: UK uses a PAYE baseline with National Insurance and student loan options; Ireland uses a single PAYE employee with standard credits, USC and PRSI; the US uses a single filer with federal income tax, standard deduction and FICA; Australia uses resident rates and Medicare levy.
What is excluded?: Read the country-specific exclusions above the inputs. Bonuses, benefits, employer contributions and several regional taxes, credits and reliefs are outside this model.
Can I include bonuses?: There is no separate bonus input. The model uses the gross pay and frequency you enter.

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 in your browser. The browser saves your entered pay and deduction settings in local storage; Copy summary lets you keep the result.

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Updated

15 October 2025