The method
How it is worked out
Net = gross − pension − income tax (banded) − social contributions
- banded tax
- Each slice of income taxed at its band's rate above the allowance
Take-Home Pay Calculator
Estimate net pay after income tax and social contributions in the UK, US, Canada or Australia, and compare two offers. The result updates as you type so you can compare scenarios quickly.
Keep in mind
What it leaves out
- EstimateStudent loans, benefits, tax codes and state/provincial variation are simplified or estimated.
- BonusesBonuses are taxed at the marginal rate, often higher than the average shown.
- Editable ratesThresholds live in a data table the team updates each tax year.
Use the calculator to compare scenarios rather than as a guaranteed forecast.
About the Take-Home Pay Calculator
Estimate net pay after income tax and social contributions in the UK, US, Canada or Australia, and compare two salary offers on what actually reaches your bank account each month.
How it works and an example to tryShow less
How to use the result
Pension contributions are deducted first. Income tax is applied in bands above the personal allowance for your country. Social contributions follow each system's rules: National Insurance, FICA, CPP and EI, or the Medicare levy. US and Canadian figures include an estimated state or provincial rate. Thresholds live in an editable table.
Example to try
A £65,000 UK salary with 5% pension nets about £48,600, or £4,050 a month. A £72,000 offer nets about £52,600: £330 a month more, keeping roughly 57% of the extra gross.
Put it to work
Try it on a real situation
Load an example
What moves the result most
Worked out from your figures above. Tap a row to try it.
Who uses it, and when
Job seekers comparing offers, employees negotiating a raise and anyone moving between the four countries who wants a like-for-like view.
Mistakes worth avoiding
- Comparing gross salaries across countries with different tax systems.
- Forgetting pension contributions reduce taxable pay.
- Treating the estimate as payroll: codes, benefits and student loans change the real figure.
Questions
What does the Take-Home Pay Calculator do?
Estimate net pay after income tax and social contributions in the UK, US, Canada or Australia, and compare two offers.
How should I use the result?
Pension contributions are deducted first. Income tax is applied in bands above the personal allowance for your country. Social contributions follow each system's rules: National Insurance, FICA, CPP and EI, or the Medicare levy. US and Canadian figures include an estimated state or provincial rate. Thresholds live in an editable table.
Does TechBullion store the information I enter?
The core calculation or transformation runs in your browser. Normal website security and analytics may still record page-level events, but the tool does not need to create a public record from your inputs.
What mistakes do people make with a take-home pay calculator?
Comparing gross salaries across countries with different tax systems. Forgetting pension contributions reduce taxable pay. Treating the estimate as payroll: codes, benefits and student loans change the real figure.
Is the result guaranteed?
No. Use the result as a practical check or planning aid and verify important decisions with the relevant primary source, provider or professional advice.
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Results are estimates based on the figures entered, for general information only, and not financial, investment, tax or legal advice. See our terms of use.