Income Tax Calculator: Take-Home Pay for the US, UK, India, Canada & Australia

Almost every income tax system in the world is marginal: your income is sliced into bands, and each band is taxed at its own rate. That is why your headline tax bracket is never the percentage you actually pay. This calculator walks through each band in order, applies the correct rate to each slice, and then adds the social contributions that sit outside the income tax system entirely — FICA in the United States, National Insurance in the United Kingdom, CPP and EI in Canada, the Medicare levy in Australia, and the health and education cess in India.

Those social contributions behave very differently from income tax. Some are capped, so their effective rate falls as income rises: US Social Security stops at an annual wage base, and Canadian CPP and EI both hit annual maximums. Others are uncapped and rise with every dollar, like US Medicare and Australia's Medicare levy. Modelling them separately from income tax is what makes a net-pay figure trustworthy.

The final number you see is annual net pay, with monthly and weekly equivalents derived from it. The donut chart shows the proportional split between what you keep and each deduction, and the table underneath lists every line item with its annual amount, monthly amount and share of gross salary.

A take-home pay estimate is only as good as its assumptions, so it is worth being explicit about what sits outside the model. The calculator assumes a single source of employment income for a full tax year, taxed under standard resident rules, with the default standard deduction or personal allowance rather than itemised claims.

It does not model pension or retirement contributions, salary sacrifice arrangements, employer health insurance premiums, student loan repayments, tax credits tied to dependants, capital gains, dividend income, rental income, or local city and municipal taxes such as New York City's resident income tax. If any of those apply to you, treat the result as a starting point and adjust from there.