Estimate take-home pay from gross salary in US federal or UK payroll mode, with paycheck deductions, budget fit, next-raise impact, and monthly, semi-monthly.
Finance planning estimate
Topic review: Michael Brennan
Small Business Finance Writer. Assigned as the finance topic reviewer for tax, debt, repayment, payroll, and business-finance calculators.
Take-home pay calculator Estimate gross-to-net pay in a US federal or UK payroll mode, then compare monthly, semi-monthly, bi-weekly, and weekly take-home pay after the deductions entered.
Quick scenarios
Tax mode
The page is intentionally scoped to US federal payroll taxes and UK PAYE-style salary estimates, with local limits shown in the result note.
Filing status
Result
$55,712.50/yr
US federal mode · 2026 · effective tax rate 16.12% · total deduction rate 25.72%
Monthly
$4,642.71
Semi-monthly
$2,321.35
Bi-weekly
$2,142.79
Weekly
$1,071.39
Budget fit
$142.71 over budget
Next $1,000.00 gross
Keeps about $703.50 after included deductions.
Marginal deduction
29.65% on the next $1,000.00 estimate.
Tax breakdown
Gross salary
$75,000.00
Taxable pay after pretax entries
$69,000.00
Pretax deductions entered
− $6,000.00
Federal income tax
− $6,350.00
Social Security (6.2%)
− $4,650.00
Medicare (1.45%+)
− $1,087.50
Other after-tax deductions entered
− $1,200.00
Take-home pay
$55,712.50
Salary comparison
How take-home pay and effective tax rate change across different gross salaries (US, Single).
Gross
Take-home
Included deductions
Deduction rate
Monthly
$30,000.00
$26,285.00
$3,715.00
12.4%
$2,190.42
$40,000.00
$34,320.00
$5,680.00
14.2%
$2,860.00
$50,000.00
$42,355.00
$7,645.00
15.3%
$3,529.58
$60,000.00
$50,390.00
$9,610.00
16%
$4,199.17
$75,000.00
$61,592.50
$13,407.50
17.9%
$5,132.71
$100,000.00
$79,180.00
$20,820.00
20.8%
$6,598.33
$125,000.00
$96,703.50
$28,296.50
22.6%
$8,058.63
$150,000.00
$113,791.00
$36,209.00
24.1%
$9,482.58
$200,000.00
$148,927.00
$51,073.00
25.5%
$12,410.58
Tax estimate note
US 2026 federal estimate. Includes federal income tax, employee Social Security, employee Medicare, and any deductions you entered. State and local income taxes, employer-specific withholding, credits, bonuses, and full payroll-engine adjustments are not included.
Take-home pay calculator guide: gross pay, net pay, paycheck deductions
A take-home pay calculator estimates how much of your gross annual salary remains after the payroll taxes and deductions 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 2026/27 UK take-home pay, with annual, monthly, semi-monthly, bi-weekly, and weekly net pay 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. It also lets you enter income-tax pretax deductions, other after-tax deductions, and a monthly take-home budget so the estimate is more useful for paycheck planning than a bare salary-after-tax number.
In UK mode, it estimates 2026/27 income tax plus employee Class 1 National Insurance, supports England, Wales, Northern Ireland, and Scotland, and can include salary-sacrifice pension deductions plus a selected student-loan plan. That makes the page useful for salary comparisons, household budgeting, and quick gross-to-net pay checks while still keeping the scope honest.
This is not a full payroll engine. Real payslips can include state or local tax, tax-code changes, benefits, overtime, bonuses, employer-specific deductions, and other adjustments beyond the baseline payroll taxes and user-entered deductions 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 and total deduction rate matter. The effective tax rate shows the tax burden from the payroll taxes included in the selected mode. The total deduction rate also includes entered deductions, which is often closer to the way a paycheck calculator user thinks about the money that actually reaches a bank account.
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.
Budget gap = Monthly budget - estimated monthly take-home pay
A positive gap means the estimate is under the target budget; a negative gap means it is above the target budget.
Worked example: 75,000 in US mode with deductions
Suppose gross annual salary is 75,000 in US mode for a single filer. If you enter 6,000 of income-tax pretax deductions and 1,200 of other after-tax deductions, the calculator applies the federal income-tax calculation to the reduced taxable salary, still estimates Social Security and Medicare on gross salary, then subtracts the entered deductions from take-home pay.
That worked flow is useful because it shows where the main difference comes from: federal income tax is only one layer. Payroll taxes and known deductions can still reduce the final net pay even when taxable income is lowered by a pretax entry first.
Using budget fit and the next-raise estimate
The monthly budget field turns the net pay calculator into a salary planning tool. Instead of stopping at annual take-home pay, it shows whether estimated monthly pay is above or below the target amount you need for rent, debt payments, savings goals, or household spending.
The next-1,000 gross estimate is designed for raise, bonus, overtime, or job-offer questions. It answers a practical user question competitors often leave implicit: if gross salary rises by 1,000, roughly how much of that increase remains after the taxes and deductions included in this page?
US federal mode versus UK payroll mode
US mode is best read as a federal paycheck calculator. It uses current federal brackets, standard deduction assumptions, employee Social Security, and employee Medicare, but it does not include state income tax, city income tax, local payroll taxes, or employer-specific withholding elections.
UK mode is a PAYE-style salary calculator for the current UK tax year. It supports UK nation selection, Scottish income-tax bands where relevant, salary-sacrifice pension deductions, and common student-loan plans. It still excludes tax-code adjustments, benefits in kind, bonuses, multiple jobs, and non-salary income.
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, employer-specific withholding elections, tax credits, benefits, bonuses, overtime rules, tax-code changes, or full payslip reproduction.
UK mode now supports nation selection, salary-sacrifice pension percentage, and one selected student-loan plan, but it still does not model every real payroll arrangement. US mode includes the deduction fields you enter, but those fields do not replace a full payroll system with exact plan-specific pretax treatment.
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.
Does this take-home pay calculator include state tax?
No. US mode includes 2026 federal income tax plus employee Social Security and Medicare only, then subtracts the deductions you enter. State and local income taxes are outside the current scope.
Does the UK mode include Scottish tax rates?
Yes. UK mode now lets you choose England, Wales, Northern Ireland, or Scotland. Scotland uses its current earned-income tax bands, while National Insurance still follows the employee thresholds used across the UK.
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.
Is this the same as a paycheck calculator?
It covers the main paycheck-calculator question: how gross pay turns into estimated net pay across common pay periods. It is narrower than payroll software because it does not model every state, local, employer, benefit, or tax-code detail.
Can I use this as a salary after tax calculator?
Yes for planning. The page shows annual salary after the included taxes and deductions, plus monthly, semi-monthly, bi-weekly, and weekly equivalents. For exact payroll, compare the result with official tax tables and your employer's payroll system.
How should I enter pretax deductions in US mode?
Use the pretax field for annual deductions you want to subtract before the federal income-tax calculation. The calculator keeps Social Security and Medicare based on gross salary, so plan-specific payroll treatment may differ from a real employer paycheck.
Does UK mode include student-loan repayments?
Yes. You can choose no loan, Plan 1, Plan 2, Plan 4, Plan 5, or postgraduate loan. The calculator applies one selected plan, so users with multiple simultaneous plans should check their actual payroll treatment.
What does the next-1,000 gross result mean?
It estimates how much of an extra 1,000 of annual gross salary remains after the taxes and deductions included in the selected mode. It is useful for judging a raise, offer, bonus, or overtime scenario, but it remains an annualised estimate.
Guides
Featured in articles
Step-by-step guides that use this calculator to solve real problems.
