💵 Take-Home Pay Calculator
Calculate your net income after federal taxes, state taxes, FICA, and pre-tax deductions. Get accurate results with our 2025 tax calculator.
💰UK Take-Home Pay Calculator
Calculate your UK take-home pay after tax, National Insurance, pension, and student loan deductions. Includes NHS and teacher pay scales
Profession (Optional)
Select if you work in NHS or as a teacher to automatically populate salary based on pay bands
Salary Information
Enter your annual gross salary before deductions
Your tax code determines your personal allowance
Enter percentage or hours per week
Percentage of salary contributed to pension (pre-tax)
Student Loan
Select your student loan plan if applicable
Understanding UK Pay
💷 Income Tax
UK income tax uses bands. Personal allowance for 2024/25 is £12,570. Tax rates: 20% (basic), 40% (higher), 45% (additional).
📊 National Insurance
You pay 8% NI on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.
💼 Pension
Pension contributions are taken before tax, reducing your taxable income.
🎓 Student Loan
Repayments are 9% of income above the threshold (varies by plan). Plan 1: £24,990, Plan 2: £27,295, Plan 4: £31,395, Plan 5: £25,000.
How the Take-Home Pay Calculator Works
Disclaimer: State tax calculations are estimates based on a simplified model and may not reflect the actual tax laws of your state. For accurate calculations, please consult a tax professional.
What's Included
- ✓Federal income tax (2025 tax brackets)
- ✓State income tax (all 50 states)
- ✓Social Security tax (6.2% up to $160,200)
- ✓Medicare tax (1.45% + 0.9% additional)
- ✓Pre-tax deductions (401k, health insurance, HSA)
Key Features
- •Multiple pay frequencies (annual, monthly, biweekly, weekly)
- •All filing statuses supported
- •Effective and marginal tax rates
- •Detailed breakdown of all deductions
- •Real-time calculations as you type
Note: This calculator provides estimates based on 2025 tax brackets and rates. Actual tax liability may vary based on additional factors not included in this calculator. Consult a tax professional for personalized advice.