Turn gross salary into a transparent annual net-pay estimate. Compare pay frequencies, eligible deductions, employee contributions and custom progressive tax rules, privately in your browser.
01 / SALARY & TAX ASSUMPTIONS
2026 US federal + employee FICA estimate for one employee. State/local taxes and special tax cases are excluded. All money inputs use the selected country’s currency and at most two decimal places. Optional amounts default to 0.
Private browser calculation. No salary or deduction inputs are uploaded or saved.
02 / RECONCILED RESULTS
US 2026: one covered employee, ordinary wages plus bonus; joint filing assumes no spouse income. Basic nondependent, under-65, not-blind standard deduction or your eligible itemized deduction. State/local taxes, AMT, capital gains, NIIT, self-employment, multiple employers, catch-up/IRA contributions, refundable credits and special senior/tips/overtime/car-loan deductions are excluded. Additional Medicare uses filing-status annual liability thresholds; employers instead withhold above $200,000 regardless of status. Health pretax treatment assumes qualified Section 125 premiums, not arbitrary benefits. Other income-tax deductions and credits require independent eligibility checks.
| Annual component | Amount |
|---|---|
| Gross annual pay | $60,000.00 |
| Less pretax deductions | $0.00 |
| Less income tax | $5,020.00 |
| Less employee contributions | $4,590.00 |
| Less post-tax deductions | $0.00 |
| Net annual take-home pay | $50,390.00 |
| Frequency | Net equivalent |
|---|---|
| Annual | $50,390.00 |
| Monthly | $4,199.17 |
| Semimonthly | $2,099.58 |
| Biweekly | $1,938.08 |
| Weekly | $969.04 |
| Hourly · scheduled hours | $24.23 |
| Contribution | Annual contribution base | Rate / rule | Amount |
|---|---|---|---|
| Social Security | $60,000.00 | 6.2% · wage cap $184,500 | $3,720.00 |
| Medicare | $60,000.00 | 1.45% · no wage cap | $870.00 |
| Additional Medicare | $0.00 | 0.9% above $200,000.00 | $0.00 |
| Deduction | Amount | Tax treatment |
|---|---|---|
| Traditional 401(k) | $0.00 | Income-tax pretax; FICA still applies |
| Employee health premium | $0.00 | Qualified Section 125: reduces income-tax and FICA wages |
| Other eligible income-tax-only deductions | $0.00 | Reduces income-tax base only; eligibility is user supplied |
| Other post-tax deductions | $0.00 | No reduction in tax or contribution wages |
| Taxable band lower | Taxable band upper | Rate | Income in band | Bracket tax · rounded display |
|---|---|---|---|---|
| $0.00 | $12,400.00 | 10% | $12,400.00 | $1,240.00 |
| $12,400.00 | $50,400.00 | 12% | $31,500.00 | $3,780.00 |
| $50,400.00 | $105,700.00 | 22% | $0.00 | $0.00 |
| $105,700.00 | $201,775.00 | 24% | $0.00 | $0.00 |
| $201,775.00 | $256,225.00 | 32% | $0.00 | $0.00 |
| $256,225.00 | $640,600.00 | 35% | $0.00 | $0.00 |
| $640,600.00 | Unbounded | 37% | $0.00 | $0.00 |
03 / VERIFIED REFERENCES
Enter the values you want to compare; processing happens in your browser.
Adjust optional settings and review validation feedback before relying on the estimate.
Review the formulas and equivalent values, then copy the result you need.
Choose country and tax year. Enter salary, frequency and any separate bonus. Expand Advanced Settings for eligible deductions and contribution rules. Calculate and inspect the gross-to-net reconciliation before copying results.
Three country modes; seven salary frequencies; federal and UK progressive income tax; employee payroll contributions; distinct pretax/post-tax deductions; net-pay and salary-sacrifice pensions; editable custom tax bands; complete reconciliation and copyable results.
Salary and deduction inputs are calculated entirely in browser memory. No salary information is uploaded or saved. Copy Result uses your clipboard only when requested. Ordinary page requests may still be logged.
USA uses 2026 ordinary federal income-tax brackets and employee Social Security/Medicare. UK uses 2026–27 England, Wales and Northern Ireland employment income-tax rules and annual Category A National Insurance estimates. Scotland is excluded. Custom Country uses only the rules you enter: Custom estimate — not verified country tax law.
Hourly salary uses scheduled hours per week and paid working weeks; daily salary uses days per week and paid working weeks. Weekly, biweekly, semimonthly and monthly salaries use 52, 26, 24 and 12 periods per year. The annual bonus is added once. Net equivalents are annual averages, not exact payslips; do not enter a bonus already included in salary.
Traditional employee 401(k) contributions reduce federal income-tax wages but not Social Security or Medicare wages. Roth 401(k) contributions are post-tax. Qualified Section 125 employee health premiums reduce both income-tax and FICA wages; post-tax premiums do not. The model supports the base 2026 $24,500 employee 401(k) limit, not catch-up or IRA contributions.
A net-pay arrangement reduces income-tax wages and adjusted net income for the personal-allowance taper, but not NI wages. Eligible pension salary sacrifice reduces both income-tax and NI wages. Enter the full gross annual contribution. Relief-at-source pensions, pension annual-allowance charges, carry-forward, low-earner top-ups and minimum-wage compliance are not calculated.
Enter your own tax-free allowance and progressive brackets starting at zero, with contiguous, nonoverlapping bands and an unbounded final band. Add a social insurance rate, optional annual wage ceiling and fixed contribution. Select whether social insurance uses gross wages or wages after pretax deductions. Blank ceiling means uncapped; zero ceiling disables the percentage component. No national rates are invented.
No. It is an annual planning estimate; US state/local taxes and special cases, UK Scotland and special payroll situations, and unentered custom rules are excluded. NI ordinarily depends on each earnings period, and Additional Medicare withholding can differ from annual liability. Inputs and calculations stay in browser memory, are not uploaded or saved, and Copy Result is explicit. Ordinary page requests may still be logged.
Review the income-tax base separately from employee contribution wages. Standard deductions and tax-free allowances reduce taxable income but are not cash deductions. Pay-period equivalents divide reconciled annual net pay and are estimates, not exact payslips.
US: one employee, ordinary wages, no state/local tax or unsupported special cases. UK: England, Wales and Northern Ireland, Category A annual NI approximation; no Scotland, student loans or special tax codes. Custom Country: user-entered rules only, not verified country tax law. Source schedules are linked inside the calculator.