Your estimated take-home pay per year
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–per month
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–per hour
Share of gross pay: what you keep and where the rest goes
| Item | Per year | Per month | % of gross |
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Enter your gross pay to see your net income after tax and social contributions in the United States, Canada, the UK and six European countries.
Share of gross pay: what you keep and where the rest goes
| Item | Per year | Per month | % of gross |
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It converts your pay to an annual gross figure, then applies each country's income tax bands and employee social contributions for the 2025 tax year. For the US it also applies the federal standard deduction, Social Security, Medicare and an average state income tax rate.
US: federal tax, FICA and state tax. UK: income tax, National Insurance, an optional student loan and an estimate of council tax. Canada: federal and provincial income tax, CPP or QPP, and Employment Insurance. Germany: income tax, solidarity surcharge and the four social insurances, assuming tax class I and no children. France, Spain, Italy and Ireland: income tax and employee contributions. Netherlands: box 1 tax with the general and labour tax credits.
Church tax, local taxes outside the UK council tax estimate, Scottish tax rates, health insurance premiums, pension schemes other than the US 401(k), bonuses taxed at special rates, and personal circumstances such as dependants or extra allowances.
More answers are on the FAQs page.
Quick answers about how take-home pay is estimated.
Gross pay is what you earn before deductions. Net pay, or take-home pay, is what reaches your bank account after income tax and social contributions.
It uses typical 2025 tax settings for a single employee. Your payslip uses your exact tax code, benefits and local rates, so expect a difference of a few percent.
Yes, as an option. Council tax is paid to your local council rather than through payroll, so it is off by default. Pick a band to subtract an estimate based on England's average charge. Your real bill depends on your council, any single-person discount, and whether you live in Scotland or Wales.
Yes. Choose your plan and the calculator takes 9% of income above the plan threshold (6% for postgraduate loans).
It applies federal tax brackets and the basic personal amount, an average provincial rate, CPP (or QPP in Quebec) and Employment Insurance. Quebec also gets the federal abatement and QPIP. Provincial tax is an approximation.
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. You still pay federal tax and FICA.
Germany combines income tax with pension, health, unemployment and care insurance, which together take around 20% of gross pay up to the contribution caps.
Pre-tax contributions lower your federal and state taxable income but not Social Security or Medicare. The amount is shown as its own line because it is savings, not tax.
No. Everything is calculated in your browser. See the Privacy Policy.
The 2025 tax year (2025/26 in the UK). Rates change every year, so check official sources for decisions that matter.
More countries are planned. Send a request through the Contact section.
Last updated: October 2026.
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TakeHome gives general estimates and is not tax, legal or financial advice. Tax rules differ by person and change often, and some local, regional and personal factors are simplified or left out. Confirm figures with your payslip, your tax authority or a qualified adviser.
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TakeHome is a free salary after tax calculator for people in the United States, Canada, the UK and Europe. The goal is a clear answer to a simple question: how much of my pay do I actually keep?
Questions, corrections or country requests: wwwtakehome@gmail.com.