Take-Home Pay Calculator
Enter your gross income, tax rate, and any other deductions to estimate your take-home pay.
How to use this calculator
- 1Enter your gross (before-tax) income.
- 2Enter your effective income-tax rate and any other deductions (e.g. self-employment tax, NI, pension).
- 3See your estimated annual and monthly take-home pay.
How the Take-Home Pay Calculator works
Take-home pay is what’s left of your gross income after tax and other deductions. This tool uses an effective (flat) rate you enter rather than tax bands, which makes it a fast estimate rather than an exact figure — useful for budgeting, comparing offers, or working out how much to set aside from each invoice.
Use your effective tax rate — total tax divided by gross income — not your top bracket, and put self-employment tax, National Insurance or pension under “other deductions”. Because income tax is banded and varies by country and year, check your national tax authority’s calculator for an exact number.
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Create an invoice freeFrequently asked questions
How is take-home pay calculated?
Subtract your tax and other deductions from your gross income. This tool uses an effective (flat) rate you enter, not tax brackets, so treat it as an estimate.
What rate should I use?
Use your effective tax rate — total tax divided by gross income — rather than your top bracket, since only part of your income is taxed at the highest rate. Add self-employment tax or National Insurance under “other deductions”.
Is this exact for my country?
No — income tax is banded and varies by country and year, so this is a quick estimate. For an exact figure use your national tax authority’s calculator or an accountant.
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