See your real take-home pay
Your gross salary is rarely what lands in your bank account. After income tax and social contributions, the take-home pay can be a lot lower β and knowing the real figure helps you budget, compare job offers and plan a raise. This free income tax calculator estimates your net salary for the UK, US and Pakistan, breaking down exactly what's deducted.
Enter your salary as an annual or monthly figure, choose your country, and instantly see your income tax, National Insurance or FICA, your monthly and yearly take-home, and your effective tax rate. It runs entirely in your browser, so your salary details stay completely private.
How to use it
- Choose your country: UK, US or Pakistan.
- Enter your gross salary and pick per year or per month.
- For the US, choose your filing status.
- Read your take-home pay, tax breakdown and effective rate.
How the tax is worked out
Income tax is progressive in all three countries: income is split into bands and each band is taxed at its own rate, so only the part of your salary inside a higher band is taxed at that higher rate. In the UK there's also a tax-free Personal Allowance and separate National Insurance; in the US there's a standard deduction plus Social Security and Medicare (FICA); in Pakistan, salaried income tax slabs apply. The calculator applies each country's bands to your salary and adds up the deductions.
Gross vs net β and the effective rate
Gross is your salary before deductions; net (take-home) is what you actually receive. The effective tax rate is your total deductions divided by your gross β it's lower than your top band because your first slice of income is tax-free or taxed at lower rates. That's why a small raise rarely pushes your whole salary into a higher rate; only the extra amount above a threshold is taxed more.
What's not included
This is a clear estimate based on standard salaried rules, not a full payroll engine. It doesn't include US state and local taxes, UK student loan repayments or pension salary sacrifice, Pakistan-specific allowances and rebates, or one-off bonuses taxed differently. Use it to plan and compare; for an exact figure, check your payslip or a qualified accountant.
How to keep more of your salary
Beyond the headline tax, there are legitimate ways to raise your take-home or reduce taxable income. Pension or retirement contributions are often made before tax, lowering the amount you're taxed on now. Many countries offer tax-free allowances, work-expense deductions, or credits for things like childcare and study. In the UK, salary sacrifice schemes can cut both tax and National Insurance; in the US, 401(k) and HSA contributions reduce taxable income. This calculator shows the baseline figure β use it as a starting point, then check which allowances apply to you.
Free and private
There's no signup and no limit, and every calculation happens locally in your browser β your salary is never uploaded or saved on a server. Switch countries freely to compare, and use it as often as you like on any device.