Salary / Take-Home Pay Calculator
Convert your gross salary into net take-home pay using your own effective tax rate and deductions.
Why Enter Your Own Tax Rate?
Income tax rules vary widely by country, state/province, filing status and deduction structure, and change from year to year. Rather than baking in a single country's tax brackets — which would quickly become outdated or inaccurate for most visitors — this calculator lets you enter your own effective tax rate (the percentage of your income that actually goes to tax after all brackets and deductions) so the result stays accurate for you no matter where you live.
You can find your effective tax rate on a prior pay stub or tax return, or estimate it using your country's official tax calculator, then use this tool to quickly see how salary changes affect your take-home pay.
Frequently Asked Questions
How do I find my effective tax rate?
Check a recent pay stub or tax return — divide total tax withheld or owed by your gross income. Alternatively, use your country's official tax calculator to estimate it based on current brackets.
Why doesn't this calculator use fixed tax brackets?
Tax rules vary enormously by country, region, and filing status, and change every year. Letting you enter your own effective rate keeps the result accurate for you specifically, rather than assuming one country's outdated rules.
What counts as "other deductions"?
Anything subtracted from your pay beyond income tax — retirement contributions, health insurance premiums, union dues, or similar recurring deductions. Enter the annual total.
Does this work for hourly wages?
Yes — just multiply your hourly rate by your expected annual hours to get a gross annual salary figure, then use that as the input.