Take-Home Pay Calculator
Turn any gross salary into monthly net pay, for four countries.
= $60,000 per year
Estimated monthly take-home
$4,050
$48,597 per year · 19.0% goes to tax & contributions
| Item | Per year | Per month |
|---|---|---|
| Gross salary | $60,000 | $5,000 |
| Federal income tax | −$5,020 | −$418 |
| Social Security6.2% up to $184,500 | −$3,720 | −$310 |
| Medicare1.45% | −$870 | −$73 |
| California income tax | −$1,793 | −$149 |
| Take-home pay | $48,597 | $4,050 |
Estimate only — not tax advice. Figures are estimates based on publicly available tax rules and may not reflect your full circumstances. See our methodology & sources. Always confirm with an official tax authority or a licensed adviser before making decisions.
This is the core take-home calculator: pick a country, enter a gross salary, and see your estimated monthly take-home pay with a full breakdown of income tax and social contributions. Switch the salary between annual, monthly and hourly, and choose your region for accurate local rules.
Everything runs in your browser against versioned, officially-sourced tax data — there are no external calls and nothing you type is sent anywhere. The result updates instantly as you change any input.
Gross, net, and the wedge between them
Gross pay is what an employer agrees to; net pay is what a bank receives. The wedge between the two is not one tax but a stack of them, and the stack is assembled differently in every country. In the UK it is Income Tax plus National Insurance; in Germany, income tax plus the solidarity surcharge plus four separate social insurances; in the US, federal tax, state tax where it exists, and FICA; in Singapore, a low income tax and a large CPF contribution that is legally yours but leaves your pay packet all the same.
That structural difference is why comparing headline tax rates across borders is close to useless. A country with a 20% top income-tax rate and 20% employee social contributions takes more from a mid-range salary than one with a 40% top rate that almost nobody reaches. The calculator resolves this by ignoring headline rates entirely and running the full stack, line by line, so you can see which component is actually doing the damage.
Where the estimate is reliable, and where it is not
For a standard salaried employee with no unusual circumstances, the result should land close to a real payslip. The brackets, thresholds and contribution rates come from the versioned data files behind every page on this site, each with its source and retrieval date recorded.
It will drift where your situation carries something the calculator cannot know: salary-sacrifice arrangements, benefits in kind, company cars, private health insurance opt-outs, non-resident or split-year tax status, multiple simultaneous employments, or region-specific levies below the level we model. Treat a large discrepancy against your payslip as a prompt to find which of those applies rather than as an error in the arithmetic, and confirm anything that matters with your payroll department or a qualified adviser.
Reading the breakdown
The proportion bar splits gross pay into take-home, income tax and social contributions, which makes the shape of a tax system visible at a glance. Two salaries with the same effective rate can have very different bars, and the difference matters: contributions usually buy you something specific, such as a pension, healthcare or unemployment cover, while income tax funds general spending.
Rows marked as savings rather than deductions follow the same logic. India's EPF and Singapore's CPF leave your monthly pay but remain your money, so they reduce take-home without being tax. If you are comparing offers across those countries, add the savings line back before judging which pays more.
Related
Frequently Asked Questions
+How accurate is this take-home calculator?
It applies official current-year tax brackets and contribution rates and is accurate for typical salaried employees. It can't capture every personal allowance, benefit-in-kind or local levy, so treat the result as a close estimate, not a payslip.
+Does it work for the US, UK, Germany and India?
Yes. Each country uses its own rules — US federal+state tax and FICA, UK Income Tax and NI, German income tax and social insurance, and India's old/new regimes — selectable from the country dropdown.
Estimate only — not tax advice. Figures are estimates based on publicly available tax rules and may not reflect your full circumstances. See our methodology & sources (last reviewed June 2026). Always confirm with an official tax authority or a licensed adviser before making decisions.