Methodology & sources
How we calculate your take-home pay, where the numbers come from, and the limits of the estimates. Last reviewed June 2026.
Our approach
FinAdministrator calculations run entirely in your browser against static, versioned tax-rules data files โ there are no external API calls and nothing you enter is transmitted or stored. Each file is sourced from official government publications, carries the source URLs and the date we retrieved them, and is archived by year so prior years remain available.
For each salary we apply the relevant country's income tax (progressively, band by band), its mandatory social or payroll contributions, and any region-specific rules you select. We show the full gross-to-net breakdown so you can see exactly where each part of your salary goes.
What these figures are โ and aren't
They are estimates for general information, accurate for a typical salaried employee in a standard situation. They are not a payslip, a tax return, or professional advice. They cannot capture every personal allowance, benefit-in-kind, local levy, salary-structure choice or individual circumstance. Always confirm with the relevant tax authority or a licensed adviser before making financial decisions.
Praveen, who operates FinAdministrator from Berlin, Germany, is not a licensed tax professional. Where we make a deliberate simplification โ for example, the German taxable-income approximation, or simplified US state-tax modelling โ we note it in the calculator's warnings and in our data files.
Annual updates
Tax law changes by statute every year. We publish a new data file for each tax year and keep the old one, so a search for a prior year's brackets still finds an accurate, dated page. We re-verify every figure against its official source before a new year's calculators go live.
Sources by country
๐บ๐ธ United States (2026)
- 2026 federal brackets + standard deduction (reflecting IRS Rev. Proc. inflation adjustments and the 2025 OBBBA). (retrieved 2026-06-22)
- IRS official 2026 inflation-adjustment release. (retrieved 2026-06-22)
- Social Security 2026 contribution & benefit base = $184,500. (retrieved 2026-06-22)
- FICA rates: Social Security 6.2%, Medicare 1.45%, Additional Medicare 0.9%. (retrieved 2026-06-22)
- Additional Medicare Tax thresholds: $200k single/HoH, $250k MFJ. (retrieved 2026-06-22)
- California FTB 2025 Tax Rate Schedules (single/MFS): brackets 1%/2%/4%/6%/8%/9.3%/10.3%/11.3%/12.3% at $11,079/$26,264/$41,452/$57,542/$72,724/$371,479/$445,771/$742,953, plus $5,706 standard deduction and a 1% MHSA surcharge over $1M. Latest official CCPI-indexed schedule (returns filed in 2026); 2026 indexed thresholds publish later. (retrieved 2026-06-30)
- Full state-by-state verification pass for all 50 states + DC, cross-checked against CBS News/ATR/ITEP 2026 state-tax-change roundups and individual state revenue-department/Tax-Foundation guides. Corrected for 2026 rate cuts/restructures not previously reflected: Georgia 5.39%โ5.09%, Idaho 5.8%โ5.3%, Indiana 3%โ2.95%, Kentucky 4%โ3.5%, Mississippi 4.4%โ4%, Montana top 5.9%โ5.65%, Nebraska rebracketed (top 5.84%โ4.55%, now 3 brackets), North Carolina 4.25%โ3.99% (final phasedown step), Ohio moved to a true flat 2.75% above $26,050 (was a 3-tier progressive approximation), Oklahoma top 4.75%โ4.5%, Kansas top 5.7%โ5.58%, Maryland added new 6.25%/6.5% top brackets for income over $500k/$1M (2025 Budget Reconciliation Act, retroactive), South Carolina restructured to a 2-bracket 1.99%/5.21% system under H.4216 (signed March 2026, replacing the old 3-bracket 0%/3%/6.2% system), Arkansas top 3.9%โ3.7%, West Virginia rebracketed with all rates cut (top 4.82%โ4.58%). All other states/DC confirmed to already match their 2026 statutory brackets. (retrieved 2026-07-02)
๐ฌ๐ง United Kingdom (2026)
- 2026/27 Income Tax bands for rUK and Scotland; personal allowance ยฃ12,570 frozen. (retrieved 2026-06-22)
- Official Income Tax rates and Personal Allowance (confirm exact 2026/27 figures here). (retrieved 2026-06-22)
- Class 1 employee NI: 8% main rate, 2% above UEL; PT ยฃ12,570, UEL ยฃ50,270. (retrieved 2026-06-22)
- Student loan repayment plan thresholds (VERIFY annually). (retrieved 2026-06-22)
๐ฉ๐ช Germany (2026)
- ยง32a EStG 2026 zone formulas and coefficients. (retrieved 2026-06-22)
- Grundfreibetrag 2026 = โฌ12,348; tax changes 2026 (official). (retrieved 2026-06-22)
- Soli 2026 Freigrenze โฌ20,350 single / โฌ40,700 joint; 5.5% rate; 11.9% Milderungszone. (retrieved 2026-06-22)
- 2026 Sozialversicherung Rechengrรถรen: BBG health/care โฌ69,750, pension/unemployment โฌ101,400. (retrieved 2026-06-22)
- 2026 rates: pension 18.6%, unemployment 2.6%, care 3.6% (+0.6% childless), health 14.6% + avg Zusatzbeitrag 2.9% (employee pays half of each). (retrieved 2026-06-22)
๐ฎ๐ณ India (2026)
- New & old regime slabs FY 2025-26 / AY 2026-27 (unchanged for FY 2026-27); standard deduction; 87A. (retrieved 2026-06-22)
- Income Tax Department โ slab rates for salaried individuals (official). (retrieved 2026-06-22)
- ยง87A rebate: new regime up to โน60,000 (taxable โค โน12L); old regime up to โน12,500 (taxable โค โน5L). (retrieved 2026-06-22)
- State-wise professional tax slabs/max amounts for FY 2026-27, cross-checked against saral.pro and factohr.com. Corrected two rows: Jammu & Kashmir (was โน2,500, corrected to โน0 โ J&K as a UT does not levy professional tax) and Chhattisgarh (was โน0, corrected to โน2,400 โ the Chhattisgarh Vritti Kar Adhiniyam, 1995 does levy PT up to โน2,400/year). Confirmed Punjab's โน2,400/year 'development tax' under the Punjab State Development Tax Act, 2018 (amended 2025) remains active, and that Delhi/UP/Rajasthan/Haryana/Uttarakhand/Goa/HP/Chandigarh genuinely levy no professional tax. (retrieved 2026-07-02)
๐จ๐ฆ Canada (2026)
- Federal 2026 brackets: 15/20.5/26/29/33%; BPA $16,452. (retrieved 2026-06-22)
- CPP 5.95% ($3,500โ$74,600), CPP2 4% ($74,600โ$85,000), EI 1.63% (cap $68,900) for 2026. (retrieved 2026-06-22)
- Combined federal+provincial rates (provincial figures here are simplified estimates). (retrieved 2026-06-22)
- Full 2026 provincial/territorial bracket tables for all 13 jurisdictions, used to compute effective provincial rate at each region's avgGrossAnnual and re-calibrate flatRate values (several were revised down, e.g. Ontario 8.5%โ6.5%, Nova Scotia 15%โ11.5%, New Brunswick 14%โ9%). (retrieved 2026-07-02)
๐ฆ๐บ Australia (2026)
- Resident rates 2025-26: 0/16/30/37/45% with thresholds $18,200 / $45,000 / $135,000 / $190,000. (retrieved 2026-06-22)
- Medicare levy 2% of taxable income. (retrieved 2026-06-22)
๐ฎ๐ช Ireland (2026)
- Budget 2026: standard rate band โฌ44,000 (single), 20%/40%; USC bands; PRSI. (retrieved 2026-06-22)
- USC standard rates and thresholds. (retrieved 2026-06-22)
๐ณ๐ฑ Netherlands (2026)
- 2026 Box 1 brackets: 35.82% to โฌ38,883; 37.56% to โฌ78,426; 49.50% above. (retrieved 2026-06-22)
- 2026 general tax credit โฌ3,115; max labour credit โฌ5,685. (retrieved 2026-06-22)
- Confirmed Box 1 income tax is levied at national level only โ the 12 Dutch provinces have no provincial income tax layer, so each region's 'no regional income tax' quirk is accurate. (retrieved 2026-07-02)
๐ธ๐ฌ Singapore (2026)
- YA2026 resident income tax brackets 0%โ24%. (retrieved 2026-06-22)
- 2026 CPF employee 20% (age โค55), OW ceiling S$8,000/month. (retrieved 2026-06-22)
๐ฆ๐ช United Arab Emirates (2026)
- UAE has no personal income tax. (retrieved 2026-06-22)
๐ณ๐ฟ New Zealand (2026)
- Individual income tax rates 2025-26: 10.5/17.5/30/33/39%. (retrieved 2026-06-22)
- PAYE brackets + ACC earners' levy 1.67% (cap $152,790). (retrieved 2026-06-22)
๐ช๐ธ Spain (2026)
- IRPF state scale + note that regions apply their own scale on top. (retrieved 2026-06-22)
- Employee social security ~6.45%, contribution base cap ~โฌ61,214/yr (2026). (retrieved 2026-06-22)
- Spot-checked each region's relative-ranking quirk against 2026 regional IRPF scales: Madrid lowest (top ~49%), Valencia highest combined top rate (54%, 29.5% regional marginal), Catalonia also high (top ~50%), Andalusia cut rates and is moderate/low, Basque Country confirmed as separate foral tax system, Galicia confirmed moderate/low. All quirk claims accurate for 2026. (retrieved 2026-07-02)
๐ซ๐ท France (2026)
- Barรจme IR 2026: 0/11/30/41/45% with thresholds โฌ11,294 / โฌ28,797 / โฌ82,341 / โฌ177,106. (retrieved 2026-06-22)
- Income tax computed on net imposable after deductible social contributions and the 10% abatement. (retrieved 2026-06-22)
- Confirmed France has no regional/departmental income tax layer; taxe d'habitation on primary residences was fully abolished 2023, so the 'no regional income tax' claim in each region's quirk is accurate for 2026. (retrieved 2026-07-02)
๐จ๐ญ Switzerland (2026)some sub-national figures pending verification
- 2026 employee social: AHV/IV/EO 5.3%, ALV 1.1% (cap CHF 148,200). (retrieved 2026-06-22)
- Zurich take-home benchmarks used to calibrate the cantonal approximation. (retrieved 2026-06-22)
- Spot-checked federal+cantonal+municipal tax (excluding church tax and social security) as % of gross at each region's avgGrossAnnual: Zurich 13.5% (110k), Geneva 19.1% (112k), Vaud 18.6% (105k), Zug 6.9% (110k), Bern 16.7% (98k), Ticino 13.9% (90k), Schwyz 10.5% (108k). flatRate values adjusted to match (e.g. Zurich 16%โ13.5%, Schwyz 8%โ10%, Bern 18%โ17%, Geneva 20%โ19%, Ticino 15%โ14%). Basel-Stadt could not be pinned to a clean single-taxpayer worked example and is left unverified. (retrieved 2026-07-02)
Found an error in our figures? Tell us โ accuracy is the whole point.