Net Pay Calculator (Take-Home Pay)
Turn gross pay for any period into take-home pay a month, fortnight, week and hour, with your own tax rate or bands and every deduction on your payslip.
Want exact tax rules? Pick your country for the UK, US, India, Australia, Canada, Pakistan, the Philippines and the Gulf.
One average rate. Advanced lets you enter your country's tax bands.
Income tax
Taken off your taxable pay before tax is worked out.
Enter your country's bands for the year, on pay after the allowance. "Up to" is where each band ends; leave the last one blank for "everything above". The numbers below are only an example.
Deductions (social security, pension, health, loans…)
Not taken from your pay. Shows what you really cost your employer.
1.5 = time and a half, 2 = double time.
Pick your country for exact rules
This page uses the tax and deductions you enter. These calculators know the real rates, bands and allowances for one country.
Your payslip
| Item | A year | A month | A fortnight | A week |
|---|
Months, fortnights and weeks are the year spread evenly. Real payslips can differ a little, for example when tax is worked out each pay or a bonus is paid in one month.
How your take-home pay is worked out
Take-home = gross − deductions before tax − tax − deductions after tax.
- 1
Gross pay a year
$50,000= $50,000
- 2
Before-tax deductions
$50,000− $2,500= $47,500 taxed
- 3
Tax
$47,500 × 20%= $9,500
- 4
Your take-home
$50,000 − $2,500− $9,500= $38,000 a year$3,166.67 a month
Read more: the formula, a worked example, tax bands and gross from net
Take-home pay is what is left of your gross pay after tax and deductions. Some deductions come out before tax is worked out (they lower your tax), others come out after. This calculator works it all out for a year, then spreads the year over months, fortnights, weeks and hours.
The formula
gross a year = pay × pay periods a year + bonus + overtime
taxable pay = gross − deductions before tax
tax = (taxable pay − tax-free allowance) × tax rate
or, with bands, each slice × its band's rate, added up
take-home = gross − deductions before tax − tax − deductions after tax
a month = take-home ÷ 12 · a week = take-home ÷ weeks
effective tax rate = tax ÷ gross
Worked example
Gross pay of 50,000 a year, a 20% income tax rate and a 5% pension taken before tax:
- Pension: 50,000 × 5% = 2,500
- Taxable pay: 50,000 − 2,500 = 47,500
- Tax: 47,500 × 20% = 9,500
- Take-home: 50,000 − 2,500 − 9,500 = 38,000 a year
- A month: 38,000 ÷ 12 = 3,166.67; a week: 38,000 ÷ 52 = 730.77; an hour at 40 hours a week: 38,000 ÷ 2,080 = 18.27
- Effective tax rate: 9,500 ÷ 50,000 = 19%. Taken off in all: 12,000, so you keep 76%.
Tax bands, worked through
Many countries tax pay in slices. Say there is a tax-free allowance of 10,000 and the bands are 10% up to 20,000, 20% up to 50,000 and 30% above, and your taxable pay is 70,000. After the allowance, 60,000 is taxed: the first 20,000 at 10% = 2,000, the next 30,000 at 20% = 6,000 and the last 10,000 at 30% = 3,000. Tax is 11,000, an effective rate of 15.7%, while each extra unit you earn is taxed at 30% (the marginal rate). These numbers are only an example; enter your own country's figures, or pick your country above.
Gross from net
To find the gross pay you need for a take-home amount, the calculator tries gross amounts, halving the gap each time, until the take-home matches to a fraction of a cent. It works with any mix of bands, allowances, caps and fixed deductions. Example: you want 4,000 a month (48,000 a year) with an allowance of 10,000, bands of 10% to 20,000, 20% to 50,000 and 40% above, and a loan repayment of 50 a month after tax. The answer is 55,750 a year: tax is 2,000 + 25,750 × 20% = 7,150, and 55,750 − 7,150 − 600 = 48,000.
Deductions people often have
| Deduction | Usually |
|---|---|
| Social security, national insurance | A % of pay, sometimes with a yearly limit (use "Limit a year") |
| Pension, retirement, provident fund | A % of pay, often before tax |
| Health insurance | A fixed amount each pay or month |
| Union dues | A fixed amount or a small % |
| Loan repayment, salary advance | A fixed amount, after tax |
Whether a deduction comes out before or after tax depends on your country and the scheme, so check your payslip. The tile "you keep of each extra 100" shows how much of a pay rise reaches your pocket once every rate on this page is counted.
This is an estimate from the figures you enter. It doesn't know any country's rules, credits or tax codes, so for exact figures use the country calculators above or ask your employer or tax office.
Common questions
How do I work out my net pay from my gross pay?
Start with your gross pay for the year. Take off deductions that come out before tax, such as some pensions. Work out tax on what is left, then take off the tax and any deductions that come out after tax. On 50,000 a year with a 5% pension before tax and 20% tax, that is 50,000 − 2,500 − 9,500 = 38,000 a year.
What is the difference between gross pay and net pay?
Gross pay is what you earn before anything is taken off. Net pay, or take-home pay, is what reaches your bank account after tax and deductions such as social security, pension, health insurance or loan repayments. In the example on this page, 50,000 gross becomes 38,000 net, or 3,166.67 a month.
What does a deduction before tax mean?
A deduction before tax (pre-tax) comes off your pay before tax is worked out, so you pay less tax. A deduction after tax comes off at the end. A 5% pension of 2,500 before tax at 20% tax saves 500 of tax, so your take-home is 38,000 instead of 37,500. Your payslip or employer tells you which kind each one is.
What is an effective tax rate?
Your effective tax rate is the tax you pay divided by your gross pay. With tax bands, it is lower than your top band because the lower bands are taxed at less. In the default example, 9,500 tax on 50,000 gross is an effective rate of 19%, even though the tax rate is 20%, because the pension is taken off first.
How do I find the gross salary I need for a take-home pay?
Switch to Advanced and pick "Take-home → gross". Enter the take-home you want and your tax and deductions. The calculator tries gross amounts until the take-home matches. With 20% tax and a 5% pension before tax, a take-home of 38,000 a year needs 50,000 gross, because you keep 76% of each extra unit of pay.
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Made by Zulu Calculator, part of AlphaZulu LLC. Formulas are shown in full and rule figures are checked against official sources; see how we build calculators.