Free · No Sign-up · 2025-26 / 2026-27
💰 Take-Home Pay
Calculator 2026
See your exact net salary after income tax, social security, and all deductions — instantly.
🇮🇳 India
🇺🇸 United States
🇬🇧 United Kingdom
🇦🇺 Australia
🇮🇳
India
🇺🇸
United States
🇬🇧
United Kingdom
🇦🇺
Australia
Salary Details
Gross Annual CTC
₹
Tax Regime
New Regime (FY 2025-26)
Old Regime
Basic Salary (% of CTC)
40% (Most Common)
50%
30%
EPF Contribution
Yes (12% of Basic)
No / Opted Out
EPF ≈
₹0
/year
New Regime — Allowed Deductions
Employer NPS — 80CCD(2)
None
10% of Basic
14% of Basic (Max)
Deductible in new regime — no cap under 80CCD(2)
HRA & Allowance Exemptions
HRA Received (Annual)
₹
Leave 0 if HRA is not part of your CTC
Monthly Rent Paid
₹
0 if you don't pay rent (no HRA exemption)
City Type (for HRA)
Metro — 50% of Basic (Delhi / Mumbai / Chennai / Kolkata)
Non-Metro — 40% of Basic
LTA Exemption (Annual)
₹
Leave Travel Allowance exempt amount
Chapter VI-A Deductions
80C — Total (EPF + PPF / ELSS / LIC etc.)
₹
Include EPF employee share here · Cap:
₹1,50,000
80D — Health Insurance Premium
₹
Self & family · Cap:
₹25,000
(₹50,000 if 60+)
Parents' Health Insurance (80D)
Not Claimed
Parents below 60 (+₹25,000)
Senior Citizen Parents (+₹50,000)
80D — Parents' Premium
₹
80CCD(1B) — NPS (Self)
₹
Over & above 80C · Cap:
₹50,000
Section 24(b) — Home Loan Interest
₹
Self-occupied property · Cap:
₹2,00,000
Other (80E / 80G / 80TTA etc.)
₹
Calculate Take-Home →
Gross Annual Salary
$
Pay Frequency
Bi-Weekly (26/yr)
Semi-Monthly (24/yr)
Monthly (12/yr)
Weekly (52/yr)
Annual
Federal Filing Status (W-4)
Single / MFS
Married Filing Jointly
Head of Household
State
No State Tax (TX, FL, NV, WA…)
Illinois — 4.95% flat
Pennsylvania — 3.07% flat
Colorado — 4.40% flat
North Carolina — 4.75% flat
Michigan — 4.25% flat
Georgia — 5.39% flat
Arizona — 2.50% flat
Massachusetts — 5.00% flat
Utah — 4.65% flat
Indiana — 3.15% flat
New York — graduated (up to 10.9%)
California — graduated (up to 13.3%)
New Jersey — graduated (up to 10.75%)
Minnesota — graduated (up to 9.85%)
Oregon — graduated (up to 9.90%)
Washington D.C. — graduated (up to 10.75%)
Other — enter rate below
Custom State Tax Rate (%)
%
Pre-Tax Deductions (reduce federal & state taxable income)
Traditional 401(k) / 403(b)
None
3%
5%
6%
10%
Max ($23,500)
Pre-tax · limit
$23,500
· reduces federal tax
HSA Contribution
None
Self only ($4,300 max)
Family ($8,550 max)
Custom amount
HSA Custom Amount (Annual)
$
FSA — Healthcare
None
$1,000
$2,000
Max ($3,300)
Pre-tax · 2026 max
$3,300
Medical / Dental / Vision Premium
$
Employee-paid portion only (pre-tax via employer plan)
Dependent Care FSA
None
$2,500 (MFS/Single)
$5,000 (MFJ / Max)
Pre-tax · max
$5,000
for MFJ
Traditional IRA (if deductible)
None
$3,000
Max ($7,000)
Deductible if no workplace plan or income below limit
Post-Tax Deductions (do not reduce taxable income)
Roth 401(k) Contribution
None
3%
5%
Max ($23,500 shared with trad.)
After-tax · grows tax-free · combined 401k limit $23,500
Other Post-Tax Deductions
$
W-4 Adjustments
Additional Federal Withholding
$
Extra withholding per pay period × pay periods
Dependent Tax Credits
None
1 child under 17 ($2,000)
2 children under 17 ($4,000)
3 children under 17 ($6,000)
Other qualifying dependent ($500)
Child Tax Credit (W-4 Step 3) — reduces tax owed
Calculate Take-Home →
Gross Annual Salary
£
Pay Frequency
Annual
Monthly
Weekly
Bi-Weekly (Fortnightly)
4-Weekly
Tax Nation
England / Wales / N. Ireland
Scotland (6-band rates)
Scotland uses different income tax bands — NI is the same
Pension
Pension Contribution
None
3%
5% (auto-enrolment min.)
8%
10%
15%
Custom %
Custom Pension %
%
Pension Type
Salary Sacrifice (saves Tax + NI)
Net Pay Arrangement (saves Tax only)
Relief at Source (pay 80%, HMRC adds 20%)
Salary Sacrifice is most tax-efficient — reduces NI too
Student & Postgraduate Loans
Student Loan Plan
None
Plan 1 — pre-2012 England/Wales (9% above ~£26,065)
Plan 2 — post-2012 England/Wales (9% above ~£28,470)
Plan 4 — Scotland (9% above ~£32,745)
Plan 5 — from Aug 2023 (9% above £25,000)
Postgraduate Loan
None
Yes — 6% above £21,000
Allowances & Adjustments
Marriage Allowance
Not applicable
Receiving (partner transfers £1,260 to me)
Giving (I transfer £1,260 to partner)
Lower earner transfers 10% of Personal Allowance — worth £252 tax credit
Blind Person's Allowance
No
Yes (+£3,070 to Personal Allowance)
No National Insurance
Standard NI applies
No NI (over State Pension age / exempt)
Salary Sacrifice Benefits (save Tax + NI)
Childcare Vouchers (Annual)
£
Basic rate taxpayer max
£2,916/yr
· higher rate max £1,557/yr
Cycle to Work Scheme (Annual)
£
No cap — reduces gross for tax & NI purposes
Other Salary Sacrifice
£
Calculate Take-Home →
Gross Annual Salary
A$
Pay Frequency
Annual
Monthly
Fortnightly
Weekly
Residency / Tax Status
Australian Resident
Foreign Resident
Working Holiday Maker (WHM)
Tax-Free Threshold
Claiming (default for residents)
Not Claiming (2nd job / non-primary)
Only claim TFT from your primary employer
Tax Offsets
Seniors & Pensioners (SAPTO)
Not eligible
Eligible — Single (max offset $2,230)
Eligible — Member of couple (max offset $1,602)
For those of pension age receiving Australian Government pension/allowance
Medicare
Private Hospital Cover
No — Medicare Levy Surcharge may apply
Yes — exempt from MLS
Adequate private hospital cover exempts you from the MLS
Medicare Levy Exemption
No exemption (standard 2% levy)
Half exemption
Full exemption (e.g. foreign resident)
Superannuation
Employer SGC Rate
12% (FY 2025-26 legislated rate)
11.5% (FY 2024-25)
Custom %
Paid on top of your salary — not deducted from take-home
Custom SGC Rate (%)
%
Salary Sacrifice to Super (Annual)
A$
Reduces taxable income · concessional cap:
$30,000/yr
(incl. employer SGC)
Study & Training Loans
HECS / HELP / VSL / SSL Debt
None
Yes — income-contingent repayment
Minimum repayment threshold ~$54,435. Repayment rate 1–10% of income.
Deductions & Salary Packaging
Work-Related Deductions (Annual)
A$
Reduces taxable income — keep receipts for tax return
Salary Packaging — FBT-Exempt (Annual)
None
Public Hospital / Charity ($9,010 cap)
PBI / Health Promotion ($15,900 cap)
Reduces taxable income for eligible not-for-profit employers
Meal Entertainment Card
None
Yes — FBT-exempt up to $2,650
Additional FBT-exempt benefit for PBI/health employers
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Your Take-Home Pay
Annual In-Hand
—
— / month