Take-Home Pay Calculator
Gross to net pay, per paycheck and per year.
You supply your own effective tax rate, so this works for any country. It does not look up tax brackets — check a recent payslip for your real combined rate (income tax + social/payroll deductions).
How to use the Take-Home Pay Calculator
- 1 Enter your gross annual pay.
- 2 Choose how often you are paid.
- 3 Enter your effective tax rate, retirement contribution and any other deductions.
- 4 See your estimated net pay per paycheck and per year.
Examples
- ▸ 60,000 gross at a 22% effective rate with 5% retirement ≈ 43,800 net per year.
Frequently asked questions
Why do I enter my own tax rate?
Tax brackets differ by country, state and year and change often. By using your own effective rate (from a recent payslip), this calculator stays accurate everywhere instead of going stale.
What is an "effective tax rate"?
It is your total income tax (plus any social/payroll deductions) divided by your gross pay — the single percentage that captures everything withheld for tax.
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