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No Professional Financial Advice: The tools and calculators on this site are provided for educational and informational purposes only. They are not professional financial, legal, tax, or investment advice. The results are mathematical projections based on your inputs and do not guarantee future results.
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Salary Calculator
Compare take-home pay, employer cost, and purchasing power across countries, cities, and household setups.
Enter a salary or employer budget, pick the tax country and city profile, and compare the resulting take-home pay against other destinations.
Includes PAYE income tax, National Insurance, student loans, pension, and salary sacrifice. Salary input and tax model use the same local currency.
National average: Baseline UK-wide cost profile.
The amount you enter is treated as your gross salary before employee deductions.
- Based on UK PAYE income tax and National Insurance bands.
- Supports student loan plans, pension methods, and salary sacrifice inputs.
- Scottish tax bands, tax codes, and employer-specific benefits are not separately modelled.
- City profile: National average applies a 100% cost-of-living multiplier and no extra local tax adjustment.
UK-Specific Deductions
Related Tools
Use this calculator for quick gross-to-net estimates
Enter your salary in any field and the calculator converts annual, monthly, weekly, and hourly pay instantly. It also estimates tax deductions and take-home pay across a broader international set of country models, while letting you choose from multiple salary currencies. Change hours per week if you work part-time or want a more realistic hourly view.
Supported countries and currencies
The calculator currently supports tax estimates for the UK, US, Germany, France, Canada, Australia, Ireland, Singapore, the UAE, the Netherlands, Spain, Italy, Japan, and India. You can also enter salary amounts in major currencies such as GBP, USD, EUR, CAD, AUD, SGD, AED, INR, CHF, and JPY.
If your salary currency does not match the country tax model, the calculator converts the figure using fixed reference FX rates before running the estimate. That makes it useful for international offers, relocation comparisons, and remote-compensation benchmarking.
City-level cost and tax modifiers
Each country model now includes a small set of city profiles such as London, New York City, Amsterdam, Madrid, Milan, Tokyo, and Bengaluru. These profiles adjust the purchasing power assumption and, where it matters, add an estimated local or regional tax uplift to make cross-city comparisons more realistic.
These are not exact municipal tax engines. They are practical planning modifiers designed to help compare offers that look similar on paper but land very differently once local living costs and regional tax drag are factored in.
Need detailed UK take-home pay planning?
For tax codes, National Insurance thresholds, student loan plans, pension contribution methods, salary sacrifice, bonus taxation, and true hourly rate analysis, use the full guide below.
Read the Take Home Pay Calculator UK guide →What the full UK take-home pay guide covers
The dedicated guide breaks down why gross salary is misleading, how the 2025/26 income tax bands work, where National Insurance bites hardest, and why student loan deductions can materially change your real monthly pay.
- Income tax bands: Personal allowance, basic rate, higher rate, additional rate, and Scottish differences
- National Insurance: 8% main band, 2% upper band, and the marginal rate jump around £50,270
- Student loans: Plan 1, 2, 4, 5, and postgraduate deductions
- Pensions: Net pay, relief at source, and salary sacrifice tradeoffs
- Bonuses and hourly pay: PAYE distortion, take-home impact, and true hourly rate thinking
Salary conversion formulas
All conversions use these standard formulas:
- Annual → Monthly: Annual ÷ 12
- Annual → Weekly: Annual ÷ 52
- Annual → Hourly: Annual ÷ 52 ÷ hours_per_week
- Hourly → Annual: Hourly × hours_per_week × 52
Why take-home pay matters more than headline salary
A salary offer only becomes useful when you translate it into spendable cash. A gross package can look strong and still disappoint once tax, payroll contributions, pensions, and other deductions are applied. Use the calculator for a quick estimate, then use the UK guide to understand one of the more detailed country-specific models behind the result.
Frequently asked questions
Does this include tax deductions?
Yes. This version estimates tax deductions and take-home pay for the selected country model. For more advanced UK-specific scenarios such as tax codes, student loans, and salary sacrifice, use the dedicated guide.
How many working hours does the calculator assume?
The default is 40 hours/week (standard full-time). You can change this for part-time or contract rates.
What is the difference between gross and net pay?
Gross pay is your headline salary before deductions. Net pay is what lands in your account after tax and other deductions. The gap can be substantial, especially once pensions and student loans are included.
How accurate are the international estimates?
They are directional rather than payroll-grade. Some countries use simplified employee baselines or exclude local or provincial layers. The tool is best used for quick comparison and planning, not payslip reconciliation.
What do the city modifiers do?
City modifiers adjust the purchasing power model and may add an estimated local or regional tax uplift. They help compare locations like London vs Manchester or New York vs Austin without pretending to be a full local payroll engine.