Take home pay estimator
Estimate what you keep from your gross pay after tax and other deductions. A simple estimate, not tax advice.
About the take-home pay estimator
Gross pay is the number on your offer letter. Net pay is what reaches your bank account, and the gap between them can be large. This estimator uses a flat tax percentage that you choose, plus any other deductions, to give a rough net figure per year and per month. Tax rules differ a great deal between countries and even between regions, so treat the result as a planning aid and not as tax advice.
How it works
- Tax = gross pay x tax percentage / 100. This is one flat rate that you enter. Real systems often use bands, so pick an average rate that fits your situation.
- Percentage deductions (for example a pension or retirement contribution) = gross pay x that percentage / 100, added together.
- Fixed deductions (for example health cover or a union fee) are subtracted as plain amounts per year.
- Net per year = gross pay minus tax minus percentage deductions minus fixed deductions. Net per month = net per year / 12.
- Worked example: gross 48,000, tax 20 percent, pension 5 percent, fixed deductions 600. Tax is 9,600, pension is 2,400, so net = 48,000 - 9,600 - 2,400 - 600 = 35,400 per year, or 2,950 per month.
How to use it
Step 1
Enter your gross yearly pay and the flat tax percentage you expect to pay.
Step 2
Add any other percentage deductions and fixed yearly amounts from your payslip or offer.
Step 3
Read your estimated net pay per year and per month.
Good to know
- Look at a recent payslip and work backwards. Divide total tax paid by gross pay to find a realistic average rate.
- Ask your employer or a local tax service for the exact figure before you sign a lease or take on a loan.
- Leave a small margin. If the estimate says 2,950 a month, plan your budget around a slightly lower number.
Questions
Is this tax advice?
No. It is a simple estimate based on numbers you type in. Your actual tax depends on your country, region, allowances and personal situation.
Why not use real tax bands?
Rules change often and differ by country, so a single flat rate that you control is more honest than a built in table that may be out of date.
Does it store my salary?
No. The calculation runs in your browser and nothing is uploaded or saved.