Salary & Tax

Estimate your US take-home pay for 2025 with federal income tax, Social Security, Medicare, state tax, and pre-tax deductions.

Estimate your UK take-home pay for the 2025/26 tax year. Includes the £12,570 personal allowance, basic/higher/additional rate bands, the 100k taper, and Class 1 National Insurance.

Estimate Canadian federal take-home pay for the 2025 tax year. Includes the $16,129 Basic Personal Amount, five federal brackets, CPP base, CPP2, and Employment Insurance.

Estimate Australian resident take-home pay for the 2024-25 tax year. Includes Stage 3 income tax brackets, the $18,200 tax-free threshold, and the 2 percent Medicare levy.

Estimate German net take-home pay for 2025. Includes the €12,096 Grundfreibetrag, the Einkommensteuer Grundtarif curve, and the employee share of KV / PV / RV / AV social insurance.

Estimate French net take-home pay for 2025. Includes the 2025 tranches d'imposition, the Plan d'Épargne Retraite deduction, and the employee share of cotisations sociales.

Estimate Dutch net take-home pay for 2025. Uses Box 1 schijven (35.82%, 37.48%, 49.5%) and applies the algemene heffingskorting as a flat credit.

Estimate Irish PAYE net take-home pay for 2025. Includes the €44,000 standard rate band, the four USC bands, PRSI Class A at 4.1 percent, and tax credits.

Estimate Spanish net take-home pay for 2025. Uses combined estatal plus autonómico IRPF rates (Madrid baseline) and the 6.35 percent employee Seguridad Social contribution.

Estimate Italian lavoratore dipendente net pay for 2025. Three IRPEF scaglioni plus average addizionale regionale, employee INPS FPLD contribution, and the €8,500 no-tax area.

Estimate Swiss net take-home pay for 2025 federal direct tax (Grundtarif single), plus AHV/IV/EO and ALV employee contributions. Cantonal and municipal taxes deferred to a per-canton overlay.

Estimate Swedish nettolön for 2025. Uses average kommunalskatt (32.41 percent), statlig inkomstskatt above the brytpunkt of SEK 643,100, and allmän pensionsavgift.

Estimate Polish net take-home pay for 2025. Uses the 12 and 32 percent PIT brackets, the PLN 30,000 kwota wolna od podatku, and ZUS pracownik składki (emerytalna, rentowa, chorobowa, zdrowotna).

Estimate Indian in-hand salary for FY 2024-25 under the New Regime. Includes the INR 75,000 standard deduction, the six income tax slabs, the 4 percent health and education cess, and EPF.

Estimate Singapore resident net take-home pay for YA 2025. Includes the 13 resident income tax slabs and the 20 percent under-55 CPF Ordinary Wage contribution capped at S$96,000.

Estimate the vested portion of a Restricted Stock Unit grant, the projected share price, and the net value after ordinary-income tax at vest.

Calculate the net gain from an Employee Stock Purchase Plan with a lookback feature and 15 percent discount. Models immediate sale at purchase (disqualifying disposition).

Compare US federal student loan repayment plans side by side: Standard 10-year, Extended 25-year, IBR, PAYE, and SAVE. Returns monthly payment for each.

Estimate the lifetime return on investment of a college degree by comparing earnings with and without the degree, accounting for tuition and opportunity cost.

Calculate California take-home pay for 2025. Federal brackets + FICA + flat-rate California state income tax approximation. Includes 401(k) and HSA deductions.

Calculate New York take-home pay for 2025. Federal brackets + FICA + flat-rate NY state income tax approximation. NYC residents add ~3.5-3.9% local tax.

Calculate Texas take-home pay for 2025. Texas has no state income tax, so net pay is gross minus federal tax and FICA only. Includes 401(k) and HSA deductions.

Calculate Florida take-home pay for 2025. Florida has no state income tax, so net pay is gross minus federal tax and FICA only. Includes 401(k) and HSA deductions.

Calculate Illinois take-home pay for 2025. Federal brackets + FICA + Illinois flat 4.95 percent income tax. Includes 401(k) and HSA deductions.

Calculate Pennsylvania take-home pay for 2025. Federal brackets + FICA + PA flat 3.07 percent income tax. Add local Earned Income Tax for Philadelphia, Pittsburgh, and most municipalities.

Calculate Ohio take-home pay for 2025. Federal brackets + FICA + Ohio's 0/2.75/3.5 percent graduated state tax. Add municipal income tax for Cleveland, Columbus, Cincinnati and other Ohio cities.

Calculate Georgia take-home pay for 2025. Federal brackets + FICA + Georgia flat 5.39 percent state income tax. Includes 401(k) and HSA deductions and scheduled rate cuts through 2029.

Calculate North Carolina take-home pay for 2025. Federal brackets + FICA + NC flat 4.5 percent state income tax. Includes 401(k) and HSA deductions and scheduled rate cuts to 3.99 percent by 2027.

Calculate Michigan take-home pay for 2025. Federal brackets + FICA + Michigan flat 4.25 percent state tax. Detroit residents add 2.4 percent city tax; Grand Rapids and other MI cities add 1.0 to 1.5 percent.

Calculate Ontario take-home pay for 2025. Federal brackets + CPP + EI + Ontario five-bracket provincial tax with surtax. Includes RRSP and BPA.

Calculate Quebec take-home pay for 2025. Federal brackets + Quebec Abatement + QC provincial (TP-1) + QPP + QPIP. Quebec runs its own tax system in parallel with the CRA.

Calculate British Columbia take-home pay for 2025. Federal brackets + CPP + EI + BC seven-bracket provincial tax up to 20.5%. Includes RRSP and basic personal amount.

Calculate Alberta take-home pay for 2025. Federal brackets + CPP + EI + Alberta's low provincial tax (10% to 15%). Most favorable provincial structure in Canada.

Calculate Manitoba take-home pay for 2025. Federal brackets + CPP + EI + Manitoba 3-bracket provincial tax (10.8% to 17.4%). Includes RRSP and provincial basic personal amount.

Calculate Saskatchewan take-home pay for 2025. Federal brackets + CPP + EI + Saskatchewan 3-bracket provincial tax (10.5% to 14.5%). Among the most favorable Canadian provincial structures.

Calculate Nova Scotia take-home pay for 2025. Federal brackets + CPP + EI + Nova Scotia five-bracket provincial tax (8.79% to 21%). Halifax tech sector context.

Calculate New Brunswick take-home pay for 2025. Federal brackets + CPP + EI + NB five-bracket provincial tax (9.4% to 19.5%). Includes RRSP and provincial basic personal amount.

Calculate Newfoundland & Labrador take-home pay for 2025. Federal brackets + CPP + EI + NL seven-bracket provincial tax (8.7% to 21.8%). Highest combined rate in Canada at 54.8%.

Calculate Prince Edward Island take-home pay for 2025. Federal brackets + CPP + EI + PEI five-bracket provincial tax (9.5% to 18.75%). Charlottetown economic context.

Calculate Yukon take-home pay for 2025. Federal brackets + CPP + EI + Yukon territorial tax (6.4% to 15%). Whitehorse and mining sector context plus Northern Residents Deduction.

Calculate Northwest Territories take-home pay for 2025. Federal brackets + CPP + EI + NWT four-bracket territorial tax (5.9% to 14.05%). Yellowknife and diamond mining context.

Calculate Nunavut take-home pay for 2025. Federal brackets + CPP + EI + Nunavut four-bracket territorial tax (4% to 11.5%). Lowest territorial rates in Canada; includes Northern Residents Deduction context.

Calculate New South Wales take-home pay for 2025. Australia uses federal income tax only (no state income tax); calculator covers Stage 3 brackets + 2% Medicare levy. Sydney economic context.

Calculate Victoria take-home pay for 2025. Australia uses federal income tax only (no state income tax); calculator covers Stage 3 brackets + 2% Medicare levy. Melbourne economic context.

Calculate Queensland take-home pay for 2025. Australia uses federal income tax only. Brisbane, Gold Coast, and Sunshine Coast economic context.

Calculate Western Australia take-home pay for 2025. Federal income tax + Medicare Levy. Perth and WA mining sector economic context.

Calculate South Australia take-home pay for 2025. Federal income tax + Medicare Levy. Adelaide defence and wine industry context.

Calculate Tasmania take-home pay for 2025. Federal income tax + Medicare Levy. Hobart and Launceston economic context plus tourism and aquaculture sectors.

Calculate ACT (Canberra) take-home pay for 2025. Federal income tax + Medicare Levy. Canberra public service salary structure context.

Calculate Northern Territory take-home pay for 2025. Federal income tax + Medicare Levy. Darwin and NT mining/defence economic context.

Calculate Bavaria (Bayern) take-home pay for 2025. German federal income tax + social contributions. Munich tech and BMW sector context plus 8 percent church tax (lowest in Germany).

Calculate Baden-Wuerttemberg take-home pay for 2025. German federal income tax + social contributions. Stuttgart, Karlsruhe, Mannheim economic context plus 8 percent church tax.

Calculate Nordrhein-Westfalen take-home pay for 2025. German federal income tax + social contributions. Cologne, Düsseldorf, Essen, Bonn economic context plus 9 percent church tax.

Calculate Hessen take-home pay for 2025. German federal income tax + social contributions. Frankfurt financial sector context plus 9 percent church tax.

Calculate Berlin take-home pay for 2025. German federal income tax + social contributions. Berlin tech and startup scene context plus 9 percent church tax.

Calculate Niedersachsen take-home pay for 2025. German federal income tax + social contributions. Hannover, Wolfsburg (VW), Braunschweig economic context plus 9 percent church tax.

Calculate Sachsen take-home pay for 2025. German federal income tax + social contributions. Dresden Silicon Saxony, Leipzig automotive, Chemnitz industrial context plus 9 percent church tax.

Calculate Rheinland-Pfalz take-home pay for 2025. German federal income tax + social contributions. Mainz BioNTech, Ludwigshafen BASF context plus 9 percent church tax.

Calculate Hamburg take-home pay for 2025. German federal income tax + social contributions. Hamburg port, Airbus, and media sector context plus 9 percent church tax.

Calculate Schleswig-Holstein take-home pay for 2025. German federal income tax + social contributions. Kiel and Luebeck economic context plus 9 percent church tax.

Calculate Brandenburg take-home pay for 2025. German federal income tax + social contributions. Potsdam, Tesla Grünheide, Berlin-commuter context plus 9 percent church tax.

Calculate Sachsen-Anhalt take-home pay for 2025. German federal income tax + social contributions. Magdeburg Intel megafab context plus 9 percent church tax.

Calculate Thueringen take-home pay for 2025. German federal income tax + social contributions. Erfurt, Jena, and Carl Zeiss optics economic context plus 9 percent church tax.

Calculate Mecklenburg-Vorpommern take-home pay for 2025. German federal income tax + social contributions. Rostock, Schwerin, Greifswald, and Baltic tourism context plus 9 percent church tax.

Calculate Saarland take-home pay for 2025. German federal income tax + social contributions. Saarbruecken, Ford Saarlouis, and German-French border context plus 9 percent church tax.

Calculate Bremen take-home pay for 2025. German federal income tax + social contributions. Bremen Hanseatic city economic context plus 9 percent church tax.

Calculate Madrid take-home pay for 2025. Spanish IRPF (estatal + autonomic Madrid baseline) + Seguridad Social trabajador. Madrid has the lowest autonomic IRPF rates among Spanish ACs.

Calculate Catalonia (Cataluña) take-home pay for 2025. Spanish IRPF (estatal + autonomic Cataluña higher than Madrid baseline) + Seguridad Social trabajador. Barcelona tech and economic context.

Calculate Andalucía take-home pay for 2025. Spanish IRPF (estatal + autonomic andaluz) + Seguridad Social. Sevilla, Málaga, Granada economic context.

Calculate Comunidad Valenciana take-home pay for 2025. Spanish IRPF (estatal + autonomic Valenciana) + Seguridad Social. Valencia, Alicante, and Castellón economic context.

Calculate Galicia take-home pay for 2025. Spanish IRPF (estatal + autonomic galego) + Seguridad Social. A Coruña, Vigo, Santiago economic context plus Inditex (Zara) HQ.

Calculate Castilla y León take-home pay for 2025. Spanish IRPF (estatal + autonomic CyL) + Seguridad Social. Valladolid (Renault), Burgos, Salamanca economic context.

Calculate País Vasco (Basque Country) take-home pay for 2025. Concierto Económico fiscal regime administered by provincial Diputaciones. Bilbao, San Sebastián, Vitoria context.

Calculate Castilla-La Mancha take-home pay for 2025. Spanish IRPF + Seguridad Social. Toledo, Ciudad Real, Albacete economic context. Madrid-commuter region.

Calculate Canarias (Canary Islands) take-home pay for 2025. Spanish IRPF + Seguridad Social + special Canarian tax regime (REF). Tenerife and Gran Canaria economic context.

Calculate Murcia take-home pay for 2025. Spanish IRPF + Seguridad Social. Murcia capital, Cartagena, and agricultural/petrochemical context.

Calculate Aragón take-home pay for 2025. Spanish IRPF + Seguridad Social. Zaragoza Stellantis (Opel/Peugeot) and Logistics Platform economic context.

Calculate Extremadura take-home pay for 2025. Spanish IRPF + Seguridad Social. Mérida, Cáceres, Badajoz economic context plus rural depopulation and tourism context.

Calculate Illes Balears (Balearic Islands) take-home pay for 2025. Spanish IRPF + Seguridad Social. Mallorca, Ibiza, Menorca tourism economy context.

Calculate Asturias take-home pay for 2025. Spanish IRPF + Seguridad Social. Oviedo capital, Gijón industrial center, Avilés steel context.

Calculate Navarra take-home pay for 2025. Navarra has its own fiscal regime (Convenio Económico) administered by Hacienda Foral. Pamplona, Volkswagen Navarra, and economic context.

Calculate Cantabria take-home pay for 2025. Spanish IRPF + Seguridad Social. Santander capital, Banco Santander origin, and Atlantic coast tourism context.

Calculate La Rioja take-home pay for 2025. Spanish IRPF + Seguridad Social. Logroño capital, Rioja wine region, and SME industrial context.

Calculate Lombardia (Milano region) take-home pay for 2025. Italian IRPEF + addizionale regionale + addizionale comunale (Milano 0.8%) + INPS. Milan economic context.

Calculate Lazio (Roma region) take-home pay for 2025. Italian IRPEF + Lazio regional addizionale (3.33%, highest in Italy) + Roma municipal addizionale + INPS.

Calculate Campania take-home pay for 2025. Italian IRPEF + Campania regional addizionale (2.03%) + Napoli municipal addizionale (0.8%) + INPS contributions.

Calculate Veneto take-home pay for 2025. Italian IRPEF + Veneto regional addizionale (1.23%, among Italy's lowest) + INPS. Venezia, Verona, Padova economic context.

Calculate Sicilia take-home pay for 2025. Italian IRPEF + Sicilia regional addizionale (1.23%, low) + INPS. Palermo, Catania, and Mediterranean tourism context.

Calculate Emilia-Romagna take-home pay for 2025. Italian IRPEF + ER regional addizionale (1.93%) + Bologna municipal addizionale (0.8%) + INPS. Bologna, Modena Ferrari context.

Calculate Piemonte take-home pay for 2025. Italian IRPEF + Piemonte regional addizionale (1.62%) + Torino municipal addizionale (0.8%) + INPS. Stellantis Turin context.

Calculate Puglia take-home pay for 2025. Italian IRPEF + Puglia regional addizionale (1.33%, low) + INPS. Bari, Lecce, Salento tourism context.

Calculate Toscana (Tuscany) take-home pay for 2025. Italian IRPEF + Toscana regional addizionale (1.42%) + Firenze municipal addizionale + INPS. Florence, Pisa, Siena context.

Calculate Calabria take-home pay for 2025. Italian IRPEF + Calabria regional addizionale (2.03%) + INPS. Reggio Calabria, Catanzaro, Cosenza, and Mediterranean coastline context.

Calculate Sardegna take-home pay for 2025. Italian IRPEF + Sardegna regional addizionale (1.23%) + INPS. Cagliari, Sassari, Costa Smeralda tourism context.

Calculate Liguria take-home pay for 2025. Italian IRPEF + Liguria regional addizionale (1.23%) + INPS. Genova port, Cinque Terre tourism, Sanremo, Portofino context.

Calculate Marche take-home pay for 2025. Italian IRPEF + Marche regional addizionale (1.23%) + INPS. Ancona, Pesaro, Ascoli Piceno economic context.

Calculate Abruzzo take-home pay for 2025. Italian IRPEF + Abruzzo regional addizionale + INPS. L'Aquila, Pescara, Adriatic coast, Apennine context.

Calculate Friuli-Venezia Giulia take-home pay for 2025. Italian IRPEF + FVG regional addizionale (0.70%, lowest in Italy) + INPS. Trieste, Udine, Pordenone context.

Calculate Trentino-Alto Adige take-home pay for 2025. Italian IRPEF + TAA regional addizionale (low) + INPS. Trento, Bolzano (Sudtirol), Dolomites tourism context.

Calculate Umbria take-home pay for 2025. Italian IRPEF + Umbria regional addizionale (1.23%) + INPS. Perugia, Assisi, Spoleto, and Italian heart of Italy context.

Calculate Basilicata take-home pay for 2025. Italian IRPEF + Basilicata regional addizionale (1.23%) + INPS. Potenza, Matera UNESCO heritage, and southern Italian context.

Calculate Molise take-home pay for 2025. Italian IRPEF + Molise regional addizionale + INPS. Campobasso, Isernia, Adriatic Termoli, smallest Italian region context.

Calculate Valle d'Aosta take-home pay for 2025. Italian IRPEF + VDA regional addizionale (low) + INPS. Aosta, Courmayeur, Mont Blanc, Italian Alps autonomous region.