Guide · 3 tools
Pay and personal tax
Take-home pay, the gross salary behind a target net, hourly and overtime pay, what a bonus or pay rise is really worth, and income tax in fourteen countries.
Payslips are where tax rules meet real money. These calculators translate a gross salary, hourly rate, bonus or pay rise into what lands in your account, using the income tax bands and social contributions for the United States, United Kingdom, Canada, Australia and ten more countries.
Rates come from an editable table that updates on each country’s budget dates; state and provincial taxes are averaged.
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Gross to net and back
What a salary pays after tax, and what gross delivers a target take-home.
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Extra pay
Overtime, bonuses and rises measured against tax and inflation.
Common questions
Pay and personal tax: the questions people ask
- How is take-home pay calculated?
- Gross pay less income tax on the slice above your allowance in each band, less social contributions (National Insurance, FICA, CPP and EI, or the Medicare levy), less any pension contribution. The take-home calculator shows each line.
- Why is my bonus taxed so heavily?
- A bonus stacks on top of salary, so it is taxed at your highest (marginal) rate rather than your average rate. US payroll also withholds a flat 22% up front, with the difference settled on your return.
- What is my marginal tax rate?
- The tax and contributions on your next unit of pay. It is what a pay rise is worth after tax and what a pension contribution saves; the income tax calculator reports it alongside the effective rate.
Results are estimates based on the figures entered, for general information only, and not financial, investment, tax or legal advice.