Take-Home Pay Calculator
Free take-home pay calculator to estimate net salary after income tax and deductions. Annual or hourly, any pay frequency, country presets or custom rates, no signup.
Example Scenarios
£50k UK
Monthly • UK preset rates
UAE Tax-Free
120k • 0% income tax
€28/hr Germany
40 hrs/wk • hourly mode
Compare Offers
UK vs higher gross abroad
Salary Details View Results
Planning estimates: edit rates to match your situation. Convert gross pay between frequencies with the Salary Calculator. United States federal & state taxes? Use the US Paycheck Calculator.
Salary Summary
Gross vs Net: Where Every Pound Goes (annual)
Per Paycheck vs Annual Breakdown
| Item | Per Period | Annual |
|---|---|---|
| Gross | £0 | £0 |
| Pension / Pre-Tax | £0 | £0 |
| Income Tax | £0 | £0 |
| Social / NI | £0 | £0 |
| Other & Post-Tax | £0 | £0 |
| Net Take-Home | £0 | £0 |
Pension +1% Impact
Raise pension by 1% to see the net-pay effect…
How This Is Calculated
Order of operations: Gross → Pre-tax (pension + other) → Taxable income → Income tax + local tax → Social on gross → Post-tax → Net. Social contributions are applied to gross (common globally); edit rates for your country. Planning estimates only. Not tax advice.
Everything behind the Take-Home Pay Calculator
Formulas, reference charts, and detailed answers — expand any section you need.
Gross Salary to Monthly Net by Pay Frequency
The same £36,000 annual net pay lands differently depending on how often you are paid:
| Annual Net | Weekly (52) | Biweekly (26) | Semi-Monthly (24) | Monthly (12) |
|---|---|---|---|---|
| £24,000 | £462 | £923 | £1,000 | £2,000 |
| £36,000 | £692 | £1,385 | £1,500 | £3,000 |
| £48,000 | £923 | £1,846 | £2,000 | £4,000 |
| £60,000 | £1,154 | £2,308 | £2,500 | £5,000 |
Select your pay frequency in the calculator, semi-monthly (24 pays) is not the same as biweekly (26 pays).
Salary After Tax by Country (Planning Estimates)
These examples use the calculator's default country presets at £50,000 / local equivalent gross, monthly pay. Edit rates for your exact situation.
| Country | Gross | Est. Net (annual) | Est. Monthly Net | Notes |
|---|---|---|---|---|
| United Kingdom | £50,000 | ~£34,000 | ~£2,833 | 20% tax, 8% NI, 5% pension preset |
| Germany | €50,000 | ~€26,000 | ~€2,167 | Higher social on gross |
| France | €50,000 | ~€33,500 | ~€2,792 | Social charges dominate |
| India | ₹50,00,000 | ~₹36,50,000 | ~₹3,04,167 | Simplified effective rates |
| Australia | A$80,000 | ~A$52,000 | ~A$4,333 | Includes Super in pension % |
| UAE | AED 200,000 | AED 200,000 | AED 16,667 | 0% personal income tax preset |
Take-Home Pay Calculator: How Much Net Pay Will I Get?
This take-home pay calculator answers the question every job offer and raise raises: how much of my gross salary do I actually take home? Enter your annual salary or hourly wage, pick a country preset or custom tax rates, and the net salary calculator shows take-home pay per paycheck and per year after income tax, social contributions, pension, and other deductions. Unlike a simple gross-to-net table, you can edit every rate to match your situation, because a £50,000 salary in London and a €50,000 salary in Berlin follow very different rules.
Example: £50,000 gross in the UK with 20% income tax, 8% NI, and 5% pension contribution yields roughly £34,000 net per year, or about £2,833 per month.
How Net Salary Is Calculated (Order of Operations)
Net salary follows a consistent order of operations used by payroll systems worldwide, simplified here for planning:
- Gross annual: from stated salary or hourly rate × hours × 52 weeks (plus overtime).
- Pre-tax deductions: pension and other pre-tax amounts reduce taxable income.
- Taxable income: gross minus pre-tax.
- Income tax: applied to taxable income at your effective or marginal rate (editable).
- Local tax: optional additional tax on taxable income (state, municipal, etc.).
- Social contributions: often calculated on gross (National Insurance, CPP, social security analogues).
- Post-tax deductions: union dues, loan repayments, etc.
- Net pay: divided by pay frequency for per-check amounts.
The calculator documents each step in the formula breakdown so you can reconcile with a payslip or adjust rates until they match.
Hourly Wage to Annual Salary and Net Pay
Hourly workers can use Hourly to Net mode: enter your hourly rate, regular hours per week, optional overtime hours, and an overtime multiplier (typically 1.5×). The take-home pay calculator converts to annual gross, regular pay plus OT, then applies the same tax pipeline. This answers hourly wage calculator after tax searches directly. For gross pay conversions without tax, use the Salary Calculator.
Example: $28/hour × 40 hours × 52 weeks = $58,240 gross. At 22% income tax and 7% social on the preset rates, net is roughly $41,000/year before pension adjustments.
Comparing Job Offers in Different Countries
A higher gross salary abroad is not always higher take-home. Compare mode runs two scenarios side by side, different gross amounts, countries, tax rates, and pay frequencies, and shows net per period, annual net, total tax and contributions, and effective tax rate for each. Use it when weighing a £55,000 UK offer against €62,000 in Germany or a tax-free UAE package. Currency display follows your selected symbol; compare in the same currency or adjust gross inputs after FX conversion.
Effective Tax Rate Explained
Your effective tax rate is total deductions divided by gross salary, everything that leaves your pay before net, including pension, income tax, social, local tax, and post-tax items. It is lower than your top marginal bracket because allowances and pre-tax deductions reduce taxable income. The calculator shows effective rate on the results card so you can compare offers on an apples-to-apples basis. A 32% effective rate on £60,000 means roughly £19,200 goes to tax and contributions combined, leaving £40,800 net.
United States? Use the US Paycheck Calculator
This global take-home pay calculator uses editable effective rates, ideal for international planning and quick estimates. For United States employees who need federal bracket math, FICA limits, state withholding for all 50 states, 401k/HSA ordering, and per-paycheck precision, use our dedicated US Paycheck Calculator. It implements 2026 tax tables rather than a single flat percentage. Select United States in the country preset here and you will be directed to that tool.