Use this take-home pay calculator to convert salary between pay periods and estimate the amount left after modeled income tax. It does not calculate a complete payslip. The UK option has a stated 2026/27 scope; other country and state/province choices are illustrative. Read the assumptions below before using a result.
Salary Calculator
Convert salary between pay periods and estimate pay after modeled income tax. National Insurance, social contributions, pensions, student loans and other payroll deductions are not included. Country models other than the UK option are illustrative; verify the applicable tax year before relying on them.
⚠ Estimate only. Tax figures use standard individual income-tax brackets for the selected country (and an indicative flat rate for states/provinces). They exclude social security, national insurance, Zakat, surcharges, allowances, deductions and filing-status rules, so your actual tax will differ. This is not tax advice — confirm with your employer or tax authority (e.g. FBR, IRS, HMRC). Use the override field if you know your real effective rate.
How to use the calculator
- Enter your gross Salary amount and choose its frequency: hourly, daily, weekly, biweekly, semi-monthly, monthly, quarterly or yearly.
- Set hours and days per week, holidays and vacation days. These affect the pay-equivalent calculations; the defaults are assumptions, not your employment terms.
- Select a country and, where offered, a state or province. Check the model limits below.
- Leave Override tax rate blank to use the selected model. Entering a percentage replaces that model with your assumed effective rate.
- Click Calculate. Compare the annual summary and eight-frequency table. The adjusted/unadjusted buttons change the time-off basis.
The displayed amount after income tax is not necessarily the payment your employer will send. This tool does not itemize pensions, National Insurance, social contributions, student loans or other payroll deductions.
What the tax estimate includes
UK: England, Wales and Northern Ireland, 2026/27. The model includes the standard Personal Allowance and its taper above £100,000. It assumes annual salary equals adjusted net income. It does not model Scotland, pension or Gift Aid adjustments, benefits, savings, dividends, National Insurance, student loans or a complete payroll calculation. The UK standard allowance is included; this does not mean every allowance or relief is covered. See HMRC rates and allowances and adjusted net income.
Other country and state/province choices: these are illustrative models, not verified current-year payslip calculators. Some subnational choices use indicative flat rates. Confirm the correct year and local rules before relying on them; selecting a country does not establish that every applicable tax or contribution is modeled.
Manual override: the entered percentage takes priority over the country calculation. It applies one assumed rate to gross pay. If you enter a percentage based on all deductions, the output remains a flat-rate scenario; it does not separately calculate those deductions or turn them into income tax.
Pay-frequency and time-off assumptions
The conversion uses 52 weeks, 26 biweekly periods, 24 semi-monthly periods, 12 months and four quarters per year. Hourly equivalents use hours per week × 52; daily equivalents use days per week × 52. These are annual equivalents, not a check of your employer’s actual pay calendar.
For an hourly or daily input, the calculator first forms an unadjusted annual equivalent, then reduces it for the entered days off. For other frequencies, it treats the entered amount as the adjusted pay and derives an unadjusted equivalent. It calculates income tax separately for each basis. The tool does not know whether your leave is paid; choose assumptions that fit the comparison you intend. Set holidays and vacation to zero if you want both bases to use the same annual amount.
Two worked examples
UK income-tax model
Enter £110,000 per year, select the UK 2026/27 option, leave the override blank, and set holidays and vacation to zero. Under the stated salary-only assumptions, the Personal Allowance is £7,570 and taxable income is £102,430. Modeled income tax is £33,432, leaving £76,568 after income tax. National Insurance and other payroll deductions have not been subtracted.
Illustrative 25% override
Enter £75,000 per year with a 25% override, 40 hours per week and no holidays or vacation adjustment:
- Assumed annual deduction: £75,000 × (25 ÷ 100) = £18,750.
- Annual amount remaining: £75,000 − £18,750 = £56,250.
- Monthly equivalent: £56,250 ÷ 12 = £4,687.50.
- Biweekly equivalent: £56,250 ÷ 26 = £2,163.46.
- Hourly equivalent: £56,250 ÷ (40 × 52) = £27.04.
The 25% is an assumption, not a recommended or verified tax rate. This example demonstrates the override arithmetic; it does not use the UK’s progressive calculation.
Frequently asked questions
Is pay after income tax the same as take-home pay?
No. Take-home pay is what remains after the applicable payroll deductions. This tool’s country model estimates income tax only. For example, GOV.UK’s payslip guidance distinguishes gross/net earnings and deduction lines. Compare those lines with the estimate rather than treating it as a complete payment figure.
How do I choose an effective rate?
For an income-tax-only rate, divide income tax by gross pay for the same period and multiply by 100. Do not confuse income tax with all deductions or a marginal tax-band percentage. A historical rate can change as income or circumstances change.
Why can two pay-period views differ?
The adjusted and unadjusted views use the entered schedule and days-off assumptions. If their annual gross equivalents differ, their modeled taxes can differ too. These views do not determine your contractual entitlement to paid leave.
Does biweekly always mean exactly 26 payments?
The calculator assumes 26 periods for an annual equivalent. An employer’s actual pay dates require checking the payroll calendar; the table is not a payroll scheduling tool.
Can I use this as an exact payroll or tax calculation?
No. The result is a limited estimate. Verify the current rules, your circumstances and every applicable deduction with payroll information or a qualified adviser before relying on an exact payment or tax amount.
Related information
For a separate loan-payment estimate, use the EMI calculator. For general terminology, the salary overview provides background; it is not the authority for this page’s tax model.
Source and model check: September 10, 2026. This guide describes the inspected calculator and links to the official UK source material. It has not received independent professional tax review and is not tax advice.