Take Home Pay Calculator
From gross salary to the money that reaches your account: an estimate of income tax and social contributions for 2026 in five countries.
- US, UK, DE, FR, ES
- Tax year 2026
- Itemised deductions
- Private
For example health insurance premiums paid through your employer.
State tax is a flat estimate. Enter your effective state rate, or 0 for states without income tax.
Taken from your pay before income tax.
How to estimate your net pay
Country, gross pay and a few details.
- 1
Choose the country
United States, United Kingdom, Germany, France or Spain — or “Other country” to enter your own rates.
- 2
Enter your gross pay
Per year or per month, then the details that matter there: filing status, pension contribution, tax class and so on.
- 3
Read the breakdown
See your net pay per month, each deduction, the share deducted overall and what is taken from the next 100 you earn.
See where your salary goes
Every deduction named, nothing hidden in a total.
Five tax systems
The 2026 rules for employees in the US, the UK, Germany, France and Spain, selected automatically from your region.
Itemised deductions
Income tax, social security, health and pension contributions listed one by one.
Effective and marginal rate
The share of your pay that is deducted, and the share taken from a raise.
Your situation
Filing status and 401(k) in the US, pension and Scottish rates in the UK, tax class and church tax in Germany.
Clear chart
A donut chart splits your gross pay into take-home and each deduction.
Link to your calculation
Copy a link that reopens the calculator with your numbers filled in — handy for sharing or saving a scenario.
Made for phones
Large fields, the right keyboard for numbers and a layout that fits small screens.
Private by design
Everything is calculated in your browser. Your numbers are not sent to a server.
From gross pay to take-home pay
Take-home pay is what remains of your gross salary after income tax and compulsory social contributions. In the United States the calculator applies the 2026 federal brackets after the standard deduction ($16,100 single, $32,200 married filing jointly), Social Security at 6.2 % up to $184,500 and Medicare at 1.45 %, plus an optional flat rate for state income tax.
For the United Kingdom it uses the 2026–27 rates: a £12,570 personal allowance (tapered above £100,000), income tax at 20 %, 40 % and 45 % or the Scottish bands, and employee National Insurance at 8 % and 2 %. For Germany, France and Spain it estimates wage tax and social insurance with the standard 2026 parameters.
The result is an estimate for a typical employee with one job and standard deductions. It cannot know your credits, benefits in kind, local taxes or unusual circumstances, so your payslip will differ somewhat. The marginal rate is often the most useful figure: it tells you how much of a pay rise or bonus you would keep.
Estimated US take-home pay in 2026 (single, federal only)
| Gross per year | Net per month | Share deducted |
|---|---|---|
| $40,000 | $2,860 | 14.2 % |
| $60,000 | $4,199 | 16.0 % |
| $80,000 | $5,426 | 18.6 % |
| $100,000 | $6,598 | 20.8 % |
| $150,000 | $9,483 | 24.1 % |
Tips
- Convert an hourly wage into a yearly salary first with the Salary Calculator.
- Planning a loan? Check what payment your net pay supports with the Loan Calculator.
- See how much of your net income you should put aside for later in the Retirement Calculator.
- A raise never lowers your take-home pay: only the part of your income above a threshold is taxed at the higher rate.
Frequently asked questions
Can’t find your answer? Contact us — we reply quickly.
What is the difference between gross pay and net pay?
Gross pay is your salary before anything is taken off. Net or take-home pay is what you receive after income tax and compulsory contributions such as Social Security, National Insurance or health insurance.
How accurate is this calculator?
It follows the published 2026 rates for a standard employee and is usually close, but it is an estimate. Credits, benefits, local taxes, several jobs or mid-year changes are not included.
Does the US calculation include state income tax?
Only as a flat percentage you enter yourself, because state rules differ widely. Leave it at 0 for states without income tax such as Texas or Florida.
What is a marginal rate?
The share of each additional unit of pay that goes to tax and contributions. If it is 30 %, you keep 70 of an extra 100. It is higher than your overall (effective) rate.
Do pension contributions reduce my tax?
Usually yes. Traditional 401(k) contributions in the US and workplace pension contributions in the UK are taken before income tax, so they lower the taxable amount.
Are my numbers stored or sent anywhere?
No. The calculation runs in your browser. Your last inputs are remembered on your own device only, so the form is still filled in when you come back; use Reset to clear them.
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