Payslip Calculator
Get a full payslip breakdown showing every deduction line — income tax, NI/PF/social security, pension, and net pay — for your gross monthly salary.
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How to use this calculator
- 1
Select your country and enter your gross monthly salary.
- 2
Enter your employee pension or superannuation contribution percentage (e.g. 5 for 5%).
- 3
US employees: choose your filing status for accurate federal withholding.
- 4
Each deduction is shown as a separate line so you can see exactly where your money goes.
Frequently asked questions
What is the difference between employee and employer pension/super contributions?
Employee contributions are deducted from your gross pay and reduce your take-home. Employer contributions are additional costs paid on top of your salary. In Australia, employer super (11.5%) is on top of your gross — it does not reduce your take-home. In the UK, the employer minimum is 3% auto-enrolment on top of your pay.
How does a 401(k) contribution affect US tax?
Traditional pre-tax 401(k) contributions reduce your federal taxable income dollar-for-dollar. A $500/month contribution on a $5,000 gross reduces the taxable annual income used to calculate your federal withholding, resulting in lower monthly tax. Roth 401(k) contributions do not reduce current taxable income.
Why is my actual payslip different from these figures?
This calculator applies statutory rates and common assumptions (e.g. basic salary = 50% of gross for India PF; standard deduction for the US). Your actual payslip may reflect employer-specific allowances, salary sacrifice, student loan deductions, local taxes, different PF wage ceilings, or benefits-in-kind. Use this as a guide, not a guaranteed figure.
Payslip Calculator — Full Salary Deductions Breakdown
What Does a Payslip Show?
A payslip (also called a pay stub or pay advice) is a document from your employer detailing your gross pay, every deduction, and your net pay for the period. Deductions typically include income tax (withheld at source under PAYE in the UK and Australia, withholding tax in the US and Canada), social contributions (National Insurance in the UK, FICA in the US, CPP and EI in Canada, PF in India), and voluntary deductions like pension contributions or salary sacrifice. Understanding each line helps you verify your payslip is correct and plan your personal finances accurately.
Pension and Superannuation Contributions
Retirement savings contributions appear on your payslip as a pre-tax or post-tax deduction. In the UK, auto-enrolment requires a minimum 5% employee and 3% employer contribution to a qualifying pension scheme. In the US, 401(k) traditional contributions are pre-tax, reducing your federal withholding. In India, Provident Fund is 12% of basic salary (up to the ₹15,000 PF wage ceiling, capping the contribution at ₹1,800/month). Canada allows RRSP contributions that reduce provincial and federal taxable income. In Australia, employer super of 11.5% (rising to 12% in July 2025) is paid on top of your salary by the employer and does not appear as a deduction from your gross.
Learn more from an authoritative source:
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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 →