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Take-Home Pay Calculator

Find your paycheck after federal tax, Social Security, Medicare and state tax in the US, after tax, EPF and professional tax in India, or after tax, NI, pension and student loan in the UK.

Change the values and press Calculate to work out your own figures.

United States (2026)

Enter your salary, pay frequency, status and pre-tax deductions.

Before tax.
How often you're paid.
Your filing status for 2026.
Adds to the standard deduction and the senior deduction.
For the $2,200 child tax credit.
For the $500 credit.
Still subject to Social Security and Medicare.
Section 125: free of income tax and FICA.
Your average state rate.
City or county.
Result
Take-home each paycheck
$2,324.23
Gross each paycheck
$3,076.92
Federal income tax
$286.54
Social Security
$190.77
Medicare
$44.62
Pre-tax deductions
$230.77
Take-home a year
$60,430.00
Currency
US dollars (US rules)

You take home $2,324.23 each paycheck, $60,430.00 a year.

Show the working
  1. take-home = salary − pre-tax deductions − federal tax − Social Security − Medicare − state and local tax

India (2026-27)

Enter your salary, basic share, EPF and regime.

Before deductions, in rupees.
The wage ceiling is ₹25,000 a month from 17 September 2026.
You may choose each year.
Changes the old regime's slabs.
50% of basic instead of 40% for HRA.
50 if blank; for EPF.
Interest, rent and so on (taxed at slab rates).
Basic + DA; for HRA, EPF and NPS limits.
Deductible up to 14% of basic (new) or 10% (old).
Old regime only.
Old regime only.
Up to ₹2,500; deductible in the old regime.
PPF, ELSS, LIC, tuition…; ₹1,50,000 cap with EPF.
Up to ₹50,000.
The amount you may claim.
Up to ₹2,00,000.
80E, 80G, 80TTA and so on.
Result
In-hand salary a month
₹97,000.00
Employee EPF a year
₹36,000.00
Income tax a year (new regime)
₹0.00
In-hand a year
₹11,64,000.00
Currency
Indian rupees (Indian rules)

You take home ₹97,000.00 a month.

Show the working
  1. in-hand = (gross − employee EPF − professional tax − income tax) ÷ 12
  2. EPF = 12% of basic, up to ₹25,000 a month of basic from 17 September 2026

United Kingdom (2026/27)

Enter your salary, region, pension and student loan.

Before tax, in pounds.
Scotland has its own rates.
Ask your employer.
Your repayment plan.
Repaid on top of any plan.
Your own contribution.
Result
Take-home a month
£3,293.30
Income tax a year
£7,486.00
National Insurance a year
£2,994.40
Take-home a year
£39,519.60
Currency
Pounds sterling (UK rules)

You take home £3,293.30 a month.

Show the working
  1. take-home = salary − pension − income tax − NI − student loan
  2. NI: 8% from £12,570 to £50,270, 2% above

How to use it

Enter your salary, pay frequency, status and pre-tax deductions. Enter your salary, basic share, EPF and regime. Enter your salary, region, pension and student loan.

Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.

Key facts

US take-home = salary − pre-tax deductions − federal tax − Social Security − Medicare − state and local tax
India in-hand = (gross − employee EPF − professional tax − tax) ÷ 12
UK take-home = salary − pension − income tax − NI − student loan

Withholding

Your employer withholds by tables that spread the year's tax evenly; any difference comes back, or is due, when you file.

Questions

What is the take-home pay on £50,000?

About £3,293 a month in England with no pension or student loan.

Reviewed by RK Calculator Team. Updated 2026-09-26.

Formulas

US take-home = salary − pre-tax deductions − federal tax − Social Security − Medicare − state and local tax
India in-hand = (gross − employee EPF − professional tax − tax) ÷ 12
UK take-home = salary − pension − income tax − NI − student loan

Sources

Limitations

  • Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
  • Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.

Formula version 0.1.0Reviewed