Take-Home Pay Calculator

Estimate take-home pay in supported US and UK tax modes, with annual, monthly, bi-weekly, and weekly net-pay breakdowns.

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Enter a salary Enter a positive annual gross salary to see your estimated take-home pay.

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Take-Home Pay

Take-home pay calculator guide: gross pay, net pay, and supported US and UK payroll taxes

A take-home pay calculator estimates how much of your gross annual salary remains after the payroll taxes included in the selected tax mode are applied. This Calcipedia version uses the shared salary-after-tax engine and currently supports 2026 US federal take-home pay and 2025/26 UK take-home pay for England, Wales, and Northern Ireland, with annual, monthly, bi-weekly, and weekly breakdowns.

What this take-home pay calculator includes

In US mode, the calculator estimates 2026 federal income tax after the standard deduction and adds employee Social Security and Medicare withholding. In UK mode, it estimates 2025/26 income tax plus employee Class 1 National Insurance for England, Wales, and Northern Ireland.

That scope makes the tool useful for salary comparisons, household budgeting, and quick pay-planning checks. It does not make it a full payroll engine, because real payslips often include additional deductions and adjustments beyond the baseline taxes modelled here.

Why gross pay and net pay differ

Gross pay is the full salary before deductions. Net pay, or take-home pay, is what remains after the taxes included in the selected mode are removed. Because both the US and UK systems use layered tax bands and payroll deductions, take-home pay rises more slowly than gross pay as income increases.

This is why the effective tax rate matters. It shows the total deductions as a share of gross pay, helping you compare different salary levels or different country modes without confusing the overall burden with the highest marginal rate reached.

Net pay = Gross pay - Total tax - Payroll deductions

This is the main relationship used to convert annual gross salary into annual, monthly, bi-weekly, and weekly take-home pay.

Effective tax rate = Total deductions / Gross pay x 100

The effective rate summarizes the overall share of income removed by the taxes included in the selected mode.

Worked example: 75,000 in US mode

Suppose gross annual salary is 75,000 in US mode for a single filer. The calculator first subtracts the 2026 standard deduction, applies the 2026 federal marginal brackets to the remaining taxable income, and then adds employee Social Security and Medicare withholding. The result is an annual net-pay estimate together with monthly, bi-weekly, and weekly equivalents.

That worked flow is useful because it shows where the main difference comes from: federal income tax is only one layer. Payroll taxes still reduce the final take-home number even when taxable income is lowered by the deduction first.

What this estimate excludes

This routed variant intentionally stays narrow so the scope is truthful. It does not include state or local income tax in the US, Scottish income-tax rates in the UK, pensions, student loans, benefits, salary sacrifice, or employer-specific deductions in either mode.

Use it as a planning estimate rather than a payslip match. If the number matters for payroll setup, withholding changes, or a compensation decision, compare it with official current tax tables and your own payroll records.

Further reading

Frequently asked questions

Does this take-home pay calculator include state tax?

No. US mode includes 2026 federal income tax plus employee Social Security and Medicare only. State and local income taxes are outside the current scope.

 Does the UK mode include Scottish tax rates?

No. The UK mode uses 2025/26 England, Wales, and Northern Ireland income-tax bands plus employee National Insurance. Scottish income-tax rates are not included in this version.

 Why is my payslip different from the estimate?

Real payroll often includes pensions, student loans, salary sacrifice, benefits, overtime treatment, bonuses, or employer-specific deductions. This tool is a baseline take-home pay estimate, not a full payroll engine.

 What is the difference between gross pay and take-home pay?

Gross pay is your salary before deductions. Take-home pay is the amount left after the payroll taxes included in the selected mode are removed.

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