---
title: "Paycheck Calculator — Take-Home Pay (US, UK, Canada, Australia)"
description: "Free salary take-home pay calculator for US, UK, Canada and Australia. See exactly how much income tax, Social Security, National Insurance, and CPP you pay on your salary."
url: "https://worldcalculators.org/calculators/paycheck/"
canonical: "https://worldcalculators.org/calculators/paycheck/"
---

# Paycheck Calculator

Free salary take-home pay calculator for US, UK, Canada and Australia. See exactly how much income tax, Social Security, National Insurance, and CPP you pay on your salary.

## Quick answer

Use this for a federal/national estimate of take-home on a salary in the US, UK, Canada or Australia. Skip it if you need a payslip, state tax (California can take another ~9%), or a filing — use IRS, HMRC, CRA or ATO tools. US take-home is often 70–80% of gross after federal tax plus 7.65% FICA. UK basic-rate payers typically lose 25–32% to income tax and NI. Figures below use 2026 / 2026–27 brackets as implemented in our engine.

## How is US take-home pay calculated?

US net pay is gross minus federal income tax (seven brackets, 10–37%), Social Security at 6.2% up to the wage base, Medicare at 1.45% (plus 0.9% above $200,000), and any state tax. This calculator estimates federal plus FICA only. The 2026 standard deduction is $16,100 single / $32,200 married. Texas and Florida add 0% state tax; California does not.

## How is UK take-home pay calculated?

UK net pay is gross minus income tax and National Insurance. The personal allowance is £12,570. Basic rate is 20% up to £50,270, then 40% to £125,140. NI is 8% between £12,570 and £50,270 and 2% above (2026/27). Student-loan deductions and pension salary-sacrifice are not in this estimate — open the UK take-home page if those apply.

## How do Canada and Australia differ from the US and UK?

Canada subtracts federal tax, provincial tax, CPP (5.95%) and EI (1.63%). Australia subtracts income tax (tax-free threshold AUD 18,200) and a 2% Medicare levy; employees do not pay a social-security contribution from take-home — employers pay super on top (12% Superannuation Guarantee for 2026–27). That is why an Australian “percent kept” can look similar to the US while retirement saving sits outside the paycheck.

## Who should skip this paycheck calculator?

Skip it if you are self-employed (use the self-employment tax calculator), if you need a state-specific US withholding, or if you are comparing a job offer that includes 401(k), pension, or health premiums — those change taxable pay. Use IRS Publication 15-T, HMRC’s official calculator, CRA, or ATO for filings. This page is the country-contrast layer, not a substitute for a payroll department.
The US uses a progressive federal tax system with 7 brackets (10%–37%). But you also pay FICA taxes :

## Sources & Methodology

Take-home subtracts federal/national income tax and employee social contributions from gross. US excludes state tax; Canada excludes provincial tax. 401(k), pension salary-sacrifice, health premiums, and student loans are not fully modelled.
Standards and figures reviewed August 2026.

## Do you need a UK accountant — or is HMRC enough?

Skip an accountant if you are PAYE-only with a normal tax code: this page is an educational estimate. Use HMRC’s free income-tax estimator and your payslip. That official route wins for a simple employment.
Compare firms if you are self-employed, a landlord, a limited company, on IR35 or CIS, or filing Self Assessment that this calculator cannot cover.

Source: https://worldcalculators.org/calculators/paycheck/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.