Enter your gross annual salary and pick your country. We apply the official 2026 progressive income tax brackets plus mandatory payroll deductions to show your true net take-home pay — monthly and annually.
This calculator uses the official 2026 tax brackets for each country and applies them progressively — meaning only the slice of your income that falls inside each bracket is taxed at that bracket's rate, not your whole salary at once. On top of income tax, it adds each country's mandatory payroll deductions to show a realistic net (take-home) figure.
For the United Kingdom that means National Insurance on top of Income Tax. For Canada it adds the Canada Pension Plan (CPP and CPP2) and Employment Insurance (EI) to federal income tax. For Australia it adds the Medicare Levy. For New Zealand it adds the ACC Earner's Levy and, if you opt in, your KiwiSaver contribution.
The result is an estimate for planning, not a substitute for a formal tax calculation. Tax rules change, individual circumstances vary, and some deductions (like Canadian provincial tax) are not included here. Use it to compare offers, budget, or understand where your gross salary goes — then confirm exact figures with your country's tax authority.
United Kingdom: The Personal Allowance and higher-rate threshold remain frozen until 2031, meaning more people are pulled into higher tax bands over time as wages rise ("fiscal drag") even though the rates themselves haven't changed.
Canada: The lowest federal tax bracket dropped to 14% starting in 2026 (down from 15%), and CPP contributions increased due to the CPP2 enhancement on higher earnings.
Australia: The second tax bracket rate was cut from 16% to 15% from 1 July 2026, and the Superannuation Guarantee rate is now 12%, its final legislated increase step.
New Zealand: Tax brackets are unchanged from 2025-26, but the ACC Earner's Levy rose to 1.75% and the default KiwiSaver contribution rate increased to 3.5%.
Your take-home pay is lower because two layers of deduction come off your gross salary: income tax, which is charged progressively through each tax bracket, and mandatory payroll deductions such as National Insurance (UK), CPP and EI (Canada), the Medicare Levy (Australia), or ACC and KiwiSaver (New Zealand). Together these can take a significant slice of your gross pay before it reaches your bank account.
No. This calculator shows federal tax only. Provincial and territorial tax is separate, varies by province (from roughly 0% to 25%+ depending on where you live), and will reduce your take-home pay further. You should add your province's tax to get a complete picture.
The Superannuation Guarantee is a retirement contribution paid by your employer on top of your salary — currently 12% — so it is not deducted from your take-home pay. It is shown as an informational line so you can see the extra amount your employer contributes towards your retirement on top of what you actually receive.
KiwiSaver is optional for most employees. New employees are auto-enrolled, but you can opt out within the first eight weeks. If you stay enrolled, the default employee contribution rate is 3.5% of your gross pay, which this calculator deducts from your take-home pay when you tick the KiwiSaver box.
Tax brackets and levy rates are typically reviewed annually by each country's government. This calculator uses the official 2026 figures and will be updated to reflect future official changes, so it's worth re-running your numbers each tax year.
Your estimate applies your country's official 2026 progressive income tax brackets and mandatory payroll deductions to the gross salary you enter, then divides the result to show net pay per year, month, and week.