How We Calculate Take Home Pay
Every calculator follows the same method: start from gross salary, take off the taxes and contributions that apply, and show the rest as take home pay.
What every calculator assumes
One employee with one job and no other income, on the standard tax code, claiming the standard allowances and credits only. Results are for the tax year shown. They are estimates, so your payslip can differ if your situation is more complicated, for example with several jobs, benefits in kind, tax code adjustments, dependants or other income.
How we check
Rates, thresholds and allowances are taken from the tax authority's own publications. Each country has a set of hand worked examples that the calculator must match before the site is built, and a link check runs on every build.
Marginal rate
The marginal rate on each page is the share of your next extra unit of pay that goes in tax and contributions. We measure it by adding a small amount to the salary and seeing how the total deductions change, so it includes effects such as allowances being withdrawn.
Country details
Australia
Tax year 2026-27. Includes income tax, the Medicare levy, the low income tax offset, HELP repayments and employer super. Rates are rechecked each July.
Checked against the ATO 2026-27 pages for resident tax rates, low income tax offset, study loan repayments, super guarantee and contribution caps. The Medicare levy low income thresholds are the 2025-26 figures because the ATO has not published 2026-27 ones.
Canada
Tax year 2026. Includes federal and provincial income tax, CPP or QPP, and EI or QPIP for the ten provinces. Rates are rechecked each January.
Checked against CRA T4032 payroll deduction tables and Revenu Quebec, January 2026 (Manitoba BPA phase-out from taxtips.ca). The territories are not included.
Ireland
Tax year 2026. Includes income tax with credits, USC, PRSI, pension contributions and MyFutureFund. Rates are rechecked each January.
Checked against the Revenue Budget 2026 summary and USC page, the 2026 PRSI contribution rates guide, and Citizens Information for pension relief and MyFutureFund.
New Zealand
Tax year 2026-27. Includes PAYE income tax, the ACC earners levy, KiwiSaver and student loan repayments. Rates are rechecked each April.
Checked against the IRD pages for income tax rates, ACC earners levy 2026-27, KiwiSaver changes and student loan repayments. The student loan threshold is the IRD figure for the 2026 tax year, held for 2026-27 according to payroll guidance.
Open the New Zealand calculator
United Kingdom
Tax year 2026/27. Includes income tax for England, Wales and Northern Ireland and for Scotland, National Insurance, workplace pension contributions and student loan repayments. Rates are rechecked each April.
Checked against the GOV.UK 2026 to 2027 pages for income tax, Scottish income tax, National Insurance, student loans and workplace pensions.
Open the United Kingdom calculator
United States
Tax year 2026. Includes federal income tax, Social Security and Medicare, state income tax and state payroll contributions for all 50 states and DC, and 401(k) contributions. Rates are rechecked each January.
Federal figures confirmed from the IRS and SSA. State figures reviewed against state revenue department sources for 2026; Arizona, Arkansas, California, DC, Idaho, Ohio and Vermont carry a caveat on the page.
Open the United States calculator
Corrections
Tax rules change often. If you see a figure that looks out of date, please tell us at enquiries@netalder.com.