What actually reaches your account after tax, by country.
Take-home pay
—
—
Per month
—
Income tax
—
Social contributions
—
Effective rate
Where the gross goes
Band-by-band breakdown
Band
Rate
Taxed in this band
Tax
Rates are for the tax years shown and cover the main national income tax and social contributions only. Excluded: US state and city tax, Canadian provincial tax, UK student loan and pension, Indian professional tax, and every personal allowance, credit or relief that depends on your circumstances. Tax law changes at least yearly. Treat this as a rough guide and check your payslip or an accountant before relying on it.
How this works
Taxable = gross − allowance / standard deduction
Tax = Σ (amount falling in each band × that band's rate)
Take-home = gross − income tax − social contributions
Country
Tax year
Allowance
Top rate
Social
India, new regime
2025-26
₹75,000 standard deduction
30% + 4% cess
—
United Kingdom
2025-26
£12,570 personal allowance
45%
National Insurance 8% / 2%
United States, federal
2025
$15,000 single
37%
FICA 7.65%
Australia
2025-26
A$18,200 tax free
45%
Medicare levy 2%
Canada, federal
2025
C$16,129 basic amount
33%
CPP + EI
Bands are marginal: moving into a higher band only taxes the part above the threshold, never the whole salary.
Your effective rate — total tax divided by gross — is always lower than your top band.
India's new regime gives a full rebate up to ₹12,00,000 of taxable income, so tax is nil below that.
The UK personal allowance tapers away above £100,000, creating an effective 60% band between £100,000 and £125,140.
Why is my payslip different from this?
This covers national income tax and the main social contributions only. Your payslip also reflects pension contributions, student loan repayments, local or state tax, salary sacrifice, and any credits specific to you.
What is a marginal versus an effective tax rate?
The marginal rate applies to your next unit of income. The effective rate is total tax divided by total income, and is always lower — earning into the 40% band does not tax everything at 40%.
Does this include state or provincial tax?
No. US state and city tax and Canadian provincial tax vary widely and are excluded, so real US and Canadian take-home is lower than shown.
How do I work out my monthly take-home pay?
Enter your gross annual salary and country above — the "Per month" figure divides your net annual take-home by 12, which is more accurate than dividing your gross salary by 12 and guessing at the tax.