TakeHomeNow is a free take-home pay calculator for employees in the United States, the United Kingdom, Canada and Australia. Enter a salary or an hourly wage, choose where you work, and see what is left after income tax and payroll contributions, per year, per month and per paycheck. There is no sign-up, and your inputs are not stored.
Choose your take-home pay calculator
Each country has its own tax system, so each has its own calculator, built on the rules published by its tax authority for the current tax year.
- United States: federal income tax for single or married filing jointly, Social Security and Medicare (FICA), state income tax in every state, state payroll programs where they apply, and traditional 401(k) contributions.
- United Kingdom: Income Tax for England, Wales and Northern Ireland or the Scottish bands, employee National Insurance, student loan plans and pension contributions.
- Canada: federal and provincial or territorial tax, CPP (QPP in Quebec), EI premiums, QPIP and RRSP contributions.
- Australia: resident income tax with the tax-free threshold, the low income tax offset, the Medicare levy, HELP repayments and salary sacrifice, with the employer super guarantee shown separately.
What take-home pay means
Take-home pay, also called net pay, is the amount that actually reaches your bank account. It starts from your gross pay, the salary or wage agreed in your contract, and subtracts everything that is withheld before you are paid: income tax, social insurance contributions and any pre-tax deductions you choose, such as pension or retirement savings.
The gap between gross and net pay is often larger than people expect, and it varies a lot between countries, states and provinces. Two job offers with the same salary can leave very different amounts in your pocket. That is why a job offer, a raise or a move is easier to judge with a net figure than with a headline salary.
Gross pay, taxable income and net pay
Gross pay is what you earn before any deduction. Taxable income is what remains after allowances and pre-tax contributions, and it is the figure income tax is charged on. Net pay is gross pay minus income tax, payroll contributions and deductions. A good take-home pay calculator keeps these three figures separate so you can see where each part of your salary goes.
How to use the take-home pay calculator
- Pick your country and, where it matters, your state, province, territory or tax region.
- Enter your pay as an annual salary or as an hourly wage with your usual weekly hours.
- Add your options: filing status in the US, student loan plan in the UK, or pension, 401(k), RRSP and salary sacrifice contributions.
- Read the breakdown and change one input at a time to compare scenarios, such as a raise, a higher pension contribution or a different state.
If you only want a quick answer for a common salary, our ready-made pages show the result for many salaries and hourly wages in every region we cover.
What the results show
The results table splits your gross pay into each tax and contribution, then shows what is left in every pay period used in your country: yearly, monthly and weekly everywhere, semi-monthly and bi-weekly in the US and Canada, fortnightly in Australia, plus daily and hourly figures. You also see your average tax rate, which tells you what share of your whole salary goes to tax, and your marginal rate, which applies to your next dollar or pound of income.
The figures are estimates for one employee with one job. Payroll benefits, tax credits claimed on a tax return, withholding choices and some local taxes can make your payslip differ. Our methodology lists every rule the calculator applies, what it leaves out and the sources behind it.
Why trust this take-home pay calculator
Every result comes from our own tax engine, which follows the same steps as a payroll system and uses the official rates and thresholds of each tax authority. We update it for every new tax year and when governments change rates, and we test it against worked examples published by the authorities. You can check any rate yourself at the source: the IRS federal tax brackets, GOV.UK Income Tax rates, the Canada Revenue Agency and the ATO resident tax rates.
Our take-home pay calculator is a planning tool, not tax advice. For questions about your own tax account, your tax authority or a qualified professional is the right place to ask.