Career & HR
Salary, tax & workplace calculators
Take-Home Salary Calculator
Your real net pay after tax — US, UK (incl. Scotland) and India. Accurate, instant and free — for UK · US · India.
What these mean:
What these mean:
England/Wales/NI: £39,520 take-home on £50,000 gross. Income tax £7,486, NI £2,994. Effective deduction rate 21.0%.
How US take-home pay is calculated
US take-home pay is your gross salary minus four layers: federal income tax, employee (Social Security + Medicare), state income tax, and California SDI where applicable. The federal standard deduction ($16,100 single / $32,200 MFJ in 2026) is applied before brackets.
Federal income tax
Progressive brackets after standard deduction
2026: 10% / 12% / 22% / 24% / 32% / 35% / 37%. Example: $80k single → $16,100 deduction → $63,900 taxable → $8,770 federal tax.
FICA
SS 6.2% (cap $184,500) + Medicare 1.45%
$80k: SS $4,960 + Medicare $1,160 = FICA $6,120. The SS wage base is $184,500 for 2026.
An additional 0.9% Medicare surcharge applies to wages above $200,000 (single). The employer matches the employee's FICA — it doesn't reduce your gross but it is part of the total cost of employing you.
State income tax + SDI
CA modeled; TX/FL/WA/NV nil
CA SDI: 1.3% of gross ($1,040 on $80k). TX/FL/WA/NV/TN: state = $0. Other states: modeled where data is available, labeled “not modeled” otherwise.
The state deduction varies widely. California adds both state income tax and 1.3% SDI; Texas has neither. The calculator labels any unmodeled state so you know the result is federal + FICA only.
Pre-tax deductions not modeled
How UK take-home pay is calculated
UK take-home = gross − income tax − − pension (salary sacrifice) − student loan repayment. England/Wales/NI uses three tax bands; Scotland uses six. The (£12,570) tapers above £100,000 via the .
UK income tax (England/Wales/NI)
PA £12,570 → 20% / 40% / 45%
£50k: £37,430 in basic band × 20% = £7,486 income tax. Above £100k the PA tapers at 50p per £1, creating a 60% effective band.
Scottish income tax
Six bands 19%–48%
National Insurance uses the same UK-wide schedule for Scottish taxpayers. The higher 42% band can combine with 8% NI to produce a 50% marginal rate between £43,663 and £50,270.
National Insurance
8% main rate, 2% above UEL
£50k gross is below the UEL (£50,270), so only the 8% main rate applies: (£50,000 − £12,570) × 8% = £37,430 × 8% = £2,994.40 NI. NI is computed on gross (before salary sacrifice for simplicity in this v1 model).
Student loan repayment
9% over plan threshold
Plan 2 threshold £29,385 (2026/27); Plan 1 £26,900; Plan 4 (Scotland) £33,795; Plan 5 £25,000; Postgraduate 6% over £21,000.
is collected via payroll alongside tax and NI. It's income-contingent — if earnings drop below the threshold, deductions stop automatically. The full UK take-home formula is:
How India take-home pay is calculated
India take-home (gross salary → in-hand) = gross − − − income tax. The income tax uses either the new or old regime. Note: this tool takes gross salary as input; if you have a CTC package, use the CTC to In-Hand Calculator to first decompose CTC into gross salary.
Employee EPF
12% of basic (₹15,000/mo ceiling optional)
Annual cap basis: ₹1,800/mo × 12 = ₹21,600/yr. On ₹12L gross with 50% basic (₹6L): EPF = ₹72,000 (actual basis). The employer also contributes 12% (mostly to EPF + EPS), not deducted from your salary.
New regime income tax
Lower slabs + ₹75,000 std deduction
Standard deduction ₹75,000 before slabs. → zero tax up to ₹12,00,000 taxable. 4% on top.
Old regime + HRA exemption
Higher slabs, more deductions
Metro cities (Mumbai/Delhi/Kolkata/Chennai) use 50%; all others 40%. Old regime slabs: 5% (₹2.5L–5L), 20% (₹5L–10L), 30% (10L+). Claims 80C (₹1.5L), 80D, NPS also reduce taxable income.
India net in-hand formula
Gross → EPF → PT → tax
Example: ₹12L gross, new regime, 50% basic, Karnataka PT (₹2,400) → EPF ₹72,000 + PT ₹2,400 + tax ₹0 (§87A) = in-hand ₹11,25,600.
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Frequently asked questions
Take-home pay is your gross salary minus income tax, social-security contributions (FICA in the US, National Insurance in the UK, EPF in India), and any other statutory or voluntary deductions. The calculator applies the current tax-year rules for your country and region and shows each deduction line by line.
Several layers come out of gross pay: income tax (often progressive, so higher slices are taxed more), payroll/social contributions (7.65% FICA in the US, 8%/2% NI in the UK, 12% EPF in India), and region-specific items like US state tax or CA SDI. Together these typically reduce gross by 20–35% at middle incomes.
For a single filer in 2026 with no state income tax (e.g. Texas), $80,000 nets about $65,110 after $8,770 federal income tax and $6,120 FICA. In California the same salary nets roughly $60,722 after CA state income tax and SDI — the per-state difference is real money.
Scotland sets its own income-tax bands — six of them (19% to 48%) instead of the three (20/40/45%) used in England, Wales and Northern Ireland. National Insurance is UK-wide, so a Scottish taxpayer can hit a higher combined marginal rate in some bands. The calculator applies the right schedule when you pick your region.
The new regime has lower slab rates and a ₹75,000 standard deduction but removes most exemptions; the old regime has higher rates but lets you claim HRA, 80C, 80D and more. For most salaried people without large deductions the new regime gives a higher in-hand (and zero tax up to ₹12,00,000 taxable via the §87A rebate). The calculator shows both so you can compare.
Method, assumptions & references
Methodology: UK income tax uses the Personal Allowance taper above £100,000. Scotland 6-band schedule verified from gov.scot 2026/27. NI computed on gross wages (salary-sacrifice NI relief is out of scope for v1). US federal tax uses the standard deduction and 2026 brackets; state tax modeled for CA and NY; SDI modeled for CA at 1.3%. India: new regime uses ₹75,000 standard deduction + §87A rebate + 4% cess; old regime adds HRA exemption (3-way min) and 80C/80D deductions. EPF on actual basic or ₹15,000/mo ceiling basis. This calculator does not model city/local taxes, AMT, or HMRC PAYE coding adjustments.
Estimates based on standard assumptions
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