This free take-home pay calculator turns your gross salary into the net pay you actually keep after income tax, retirement contributions, and other deductions. Enter your gross pay in any currency, set your own effective tax rate, and see your take-home pay per year, month, and paycheck. Because you supply your own tax rate, it works for any country. An optional US mode adds Social Security and Medicare. No signup required.
Your salary before any deductions, entered per year.
Your overall average tax rate — total income tax ÷ gross pay, not your top bracket. Not sure? Check last year's return or a payslip. Leave at 0% for a pre-tax view.
US mode (add FICA)
Adds Social Security 6.2% + Medicare 1.45% (7.65%) on gross pay. Turn off for non-US pay or if your tax rate already includes payroll taxes.
401(k), pension, or similar, as a percentage of gross. This lowers your taxable income.
Health insurance, HSA/FSA, transit, etc. — amount per year. Reduces taxable income.
Roth contributions, union dues, garnishments, etc. — amount per year. Taken after tax.
Add your gross salary and deduction rates to see your net take-home pay per year, month, and paycheck.
Know your real take-home pay? Track your income and spending in Auritrack to see where every paycheck actually goes and build a budget that fits your net pay.
Try Auritrack FreeType in your gross salary before any deductions, then pick whether that figure is annual, monthly, or an hourly rate. Hourly pay is annualized at 40 hours a week for 52 weeks (2,080 hours).
Enter your overall effective income-tax rate — total income tax divided by gross pay, not your top bracket. You can find this on last year’s tax return or a recent payslip. This is what makes the tool work for any country without tax tables.
Enter your pre-tax retirement contribution as a percentage of gross (like a 401(k) or pension), plus any other pre-tax deductions such as health insurance. These lower your taxable income before tax is applied.
If you are paid in the United States, switch on US mode to automatically add FICA payroll taxes: Social Security at 6.2% and Medicare at 1.45%. Leave it off for other countries or if your tax rate already includes payroll taxes.
Instantly see your take-home pay per year, month, and bi-weekly paycheck, your effective take-home percentage, and a full breakdown of where every part of your gross pay goes.
Gross pay is the full salary or wage your employer agrees to pay you before anything is taken out. It is the number on your job offer, your contract, and most salary surveys. Net pay, also called take-home pay, is what actually reaches your bank account after deductions. The difference between the two is rarely small. Depending on your tax rate, retirement contributions, and where you live, deductions commonly swallow 20% to 40% of gross pay. Someone earning a $60,000 salary might take home closer to $45,000. Understanding this gap is the single most important step in building a budget you can actually live on, because you spend and save from net pay, not the headline gross figure.
Several distinct deductions stand between your gross pay and your take-home pay, and they come out in a specific order. First are pre-tax deductions: retirement contributions to a 401(k) or pension, and often health insurance premiums, health savings accounts, and transit benefits. These are subtracted before tax is calculated. Next comes income tax, applied to what remains, your taxable income. In the United States and many other countries, payroll taxes are then charged on your gross wages: Social Security at 6.2% and Medicare at 1.45%, together known as FICA. Finally, post-tax deductions such as Roth retirement contributions, union dues, or wage garnishments come out after tax. What is left is your net pay. This calculator walks through each of these steps and shows you exactly how much lands in each bucket, so the mystery of the shrinking paycheck disappears.
One of the most powerful features of a traditional 401(k) or pension is that contributions come out of your pay before income tax is calculated. This lowers your taxable income, which lowers the tax you owe. The practical effect is that every dollar you save for retirement costs you less than a dollar in take-home pay. If you contribute 5% of a $60,000 salary while paying a 20% effective tax rate, you set aside $3,000 for your future, but your take-home pay drops by less than $3,000 because you also avoid $600 in tax on that money. In effect, the tax system subsidizes your retirement saving. Try increasing the retirement percentage in the calculator above and watch how your taxable income and tax bill fall together. When you are weighing whether a raise is worth it after deductions, our pay raise calculator shows how much of an increase you actually keep.
This tool asks for your effective tax rate rather than trying to guess it from tax tables, and that is a deliberate choice that makes it work anywhere in the world. Your effective tax rate is the average rate you actually pay: total income tax divided by gross pay. It is almost always lower than your marginal rate, the rate charged on your last dollar of income, because most tax systems are progressive and tax different slices of your income at different rates. Someone in a country with a 32% top bracket might have an effective rate of just 18% once lower brackets, allowances, and deductions are counted. To find your own effective rate, take the total income tax from last year's return and divide it by your gross income, or read it directly off a detailed payslip. If you want a bracket-by-bracket estimate for a specific country, our tax estimator can help you arrive at a rate to plug in here.
The most common budgeting mistake is planning around gross pay. If your offer letter says $60,000 and you mentally allocate $5,000 a month, you will overspend every single month, because the money never actually arrives in full. Real budgets start from net pay. Once you know your true monthly take-home figure, popular frameworks like the 50/30/20 rule become usable: 50% of net pay to needs, 30% to wants, and 20% to savings and debt. The per-paycheck view in this calculator is especially useful if you are paid bi-weekly, because two months a year contain a third paycheck, a natural chance to save or pay down debt. Once you know your take-home number, put it to work in a full budget planner so every unit of net pay has a job before the month begins.
Most take-home pay calculators are locked to one country because they hard-code that country's tax brackets, thresholds, and rules, which then go stale every year. This calculator takes a different approach. By asking you for your own effective tax rate and letting you add pre-tax and post-tax deductions directly, it stays accurate in every country and every currency without any maintained tax tables. A worker in Lagos, London, Toronto, or Sydney can all use the same tool by entering their local rate. The optional US mode exists purely as a convenience for American workers, adding the fixed FICA payroll taxes automatically. Keep in mind that Social Security is only charged up to an annual wage base, around $176,100 in 2025, so very high earners pay a slightly lower effective FICA rate than the flat 6.2% suggests. For everyone else, entering an accurate effective rate is all it takes to get a reliable net pay figure.
See your new salary after a raise, the percentage increase, extra monthly pay, and whether the raise actually beats inflation.
Estimate your federal and state tax liability, see your effective tax rate, and use AI to find deductions you might be missing.
Work out time-and-a-half or double-time pay, your total weekly earnings, and your effective hourly rate once overtime is included.
Describe your situation and let AI build a personalized monthly budget instantly. Or do it yourself with the 50/30/20 rule, custom ratios, or zero-based budgeting.
Know Your Net
Auritrack tracks your income and spending automatically so you always know what your net pay covers. Set budgets, watch your cash flow in real time, and plan around the money you actually keep. Works in every currency. Free to start.
Disclaimer: This tool is provided for informational and educational purposes only. It does not constitute financial, tax, investment, or legal advice. Results are estimates based on the inputs you provide and may not reflect actual financial outcomes. Always consult a qualified financial professional before making financial decisions.
