Net vs Gross Salary Calculator
Estimate your annual take-home pay after income tax and social contributions based on your country and gross salary. Results are estimates — consult a tax advisor for precise figures.
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How to use this calculator
- 1
Select your country and enter your gross annual salary.
- 2
US filers: choose your filing status (Single or Married Filing Jointly) to apply the correct tax brackets.
- 3
The calculator applies statutory income tax rates and major social contributions for your country.
- 4
Use the result as an estimate — actual take-home pay may vary based on pension contributions, local taxes, and individual deductions.
Frequently asked questions
Why is the result an estimate?
Tax calculations depend on many variables: pension contributions, student loan repayments, investment income, deductions, credits, and local/provincial taxes. This calculator applies the core statutory rules (income tax + primary social contributions) to give a reliable ballpark. For precise figures, use your national tax authority's official calculator or consult a tax advisor.
Does this include state or provincial taxes?
No. The US calculation covers federal income tax and FICA only — state income tax can add 0–13% depending on your state. Canada covers federal tax, CPP, and EI only — provincial tax adds roughly 6–17%. Australia and the UK have no separate state income tax, so their results are more complete.
What is the difference between effective tax rate and marginal tax rate?
Your marginal rate is the tax percentage on your last dollar of income. Your effective rate is the total tax paid divided by gross income — always lower than the marginal rate because lower portions of your income are taxed at lower rates in a progressive system.
Net vs Gross Salary Calculator — Estimate Your Take-Home Pay
Gross vs Net: What Is the Difference?
Your gross salary is what your employer pays before any deductions. Your net salary — also called take-home pay — is what lands in your bank account after income tax, social security contributions, and other statutory deductions are removed. The gap between the two depends heavily on your country's tax rates, your income level, and your personal circumstances. A $100,000 gross salary in the US, UK, India, Canada, and Australia all produce very different net figures.
Key Deductions by Country
In the US, the main deductions are federal income tax (10–37% depending on bracket) and FICA — 6.2% Social Security and 1.45% Medicare. In the UK, income tax (20/40/45%) and National Insurance (8% on earnings between £12,570 and £50,270, then 2%) are deducted via PAYE. India's new tax regime (2024-25) applies rates from 5% to 30% above ₹3 lakh, plus a 4% health and education cess. Canada deducts federal income tax, CPP contributions (5.95% up to $68,500), and EI premiums (1.66% up to $63,200). Australia taxes income at progressive rates up to 45%, plus a 2% Medicare Levy. Employer superannuation of 11.5% in Australia is an additional cost to the employer and does not reduce your gross pay.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →