Take-Home Pay Calculator
Estimate your net (after-tax) salary based on your gross income and country. Models US, UK, Germany, and India income tax + national insurance / social security.
What This Calculator Includes
| Country | Modelled | Not Modelled |
|---|---|---|
| 🇺🇸 United States | Federal income tax (2026 brackets), FICA (6.2% Social Security + 1.45% Medicare) | State tax, local tax, 401(k), health insurance, dependents, standard deduction beyond the basic single allowance |
| 🇬🇧 United Kingdom | Income tax (Personal Allowance, basic/higher/additional bands), Class 1 National Insurance | Scottish rates, student loan, pension auto-enrolment, salary sacrifice |
| 🇩🇪 Germany | Lohnsteuer (tax class I — single), Solidaritätszuschlag, pension + health + unemployment + care insurance | Church tax (8–9%), tax class adjustments for married couples |
| 🇮🇳 India | New tax regime FY2026 brackets, 4% Health & Education cess | Old regime deductions, professional tax, gratuity |
How Tax Brackets Work
Income tax is marginal in all four countries — only the income within each bracket is taxed at that bracket's rate, not your entire income. Example for the US 2026 single filer:
- First $11,925 → taxed at 10% = $1,193
- $11,925 – $48,475 → taxed at 12% = $4,386
- $48,475 – $103,350 → taxed at 22% = $12,073
- etc.
That's why someone "in the 22% bracket" doesn't pay 22% on all their income — their effective rate is much lower.
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FAQ
How accurate is this calculator?
It models the headline federal/national income-tax brackets and social-security/national-insurance for each country at 2026 rates. State/provincial taxes, allowances, deductions, dependents, and pension contributions are not modelled — actual take-home can vary ±5–15%.
Is this financial advice?
No. This is a back-of-envelope estimate for budgeting. For exact figures consult a tax professional or your local payroll service.