Take-Home Pay Calculator
Turn a gross salary into net pay after tax and deductions, per year and per month.
How to use the Take-Home Pay Calculator
- Enter your gross salary before any tax or deductions.
- Enter your effective tax rate as a percentage.
- Add any other yearly deductions, such as pension or insurance.
- See your net annual and monthly take-home pay.
Net = Gross − (Gross × tax rate) − other deductions
About the Take-Home Pay Calculator
Your salary offer is a gross number; what lands in your account is smaller. This calculator turns gross pay into take-home pay by applying an effective tax rate and subtracting any other deductions you name — pension contributions, health insurance, or anything else taken before you are paid. It shows the yearly and monthly net figures side by side, plus your take-home rate, which is the share of your gross that you actually keep.
The key input is the effective tax rate — the overall percentage you pay across all your income, not the marginal rate on your top slice. Because most tax systems are progressive, your effective rate is usually lower than your top bracket, so entering the bracket number overstates the tax. If you know last year's total tax divided by total income, that is the figure to use.
This is a deliberately simple, universal model: one rate, one set of deductions, any currency. It does not reproduce a specific country's brackets, allowances or social contributions, which change every year. For the reverse — converting a salary to an hourly rate — use the salary to hourly calculator, and for extra shifts the overtime pay calculator.
Frequently asked questions
What tax rate should I enter?
Use your effective rate — total tax divided by total income — not your top bracket. Because tax is usually progressive, the effective rate is lower than the marginal rate, so the bracket number would overstate what you pay.
Does it handle my country's tax system?
It uses one flat effective rate rather than a specific country's brackets and allowances, so it works anywhere but is an estimate. For an exact figure, use your effective rate from a recent payslip or tax return.
What counts as other deductions?
Anything taken from pay besides income tax — pension or retirement contributions, health or life insurance, union dues. Enter the yearly total; leave it at zero if tax is your only deduction.