About This Estimator
This tool takes your gross salary and subtracts whatever deduction percentages you enter — income tax, social security or national insurance, health insurance, and any other deductions like retirement contributions — to show your estimated take-home pay, broken down by paycheck and converted across annual, monthly, bi-weekly, and weekly frequencies. It deliberately doesn't try to calculate real progressive tax brackets for any specific country, since those vary by region, filing status, and change from year to year — instead, it lets you plug in the effective rates that actually apply to you, which you can find on a recent payslip or an official government calculator for your area. Everything is calculated locally in your browser.
Finding Your Real Rates
Best source: your payslipDivide each deduction line by your gross pay for that period to get an accurate percentage for that category, straight from your actual pay.
United StatesFederal income tax is progressive (check the current IRS brackets for your filing status), plus state income tax if your state has one, plus FICA (Social Security 6.2% + Medicare 1.45%, up to the annual Social Security wage cap).
United KingdomIncome Tax bands and National Insurance rates are published by HMRC and change most tax years — check gov.uk for the current figures for your income level.
AustraliaIncome tax brackets plus the Medicare Levy (commonly 2%) are published by the ATO — check the current tax tables for your income level.
Effective rate vs marginal rateYour "marginal rate" is the rate on your last dollar earned; your "effective rate" is your total tax divided by total income — this tool wants your effective rate, which is usually meaningfully lower than the marginal rate under a progressive system.
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