Take-Home Pay Calculator

Calculate your net pay after tax and deductions � see monthly, weekly, and daily breakdowns

Gross Annual Salary

Income Tax Rate (%)

Your effective or average tax rate

Social Security / NI (%)

US FICA 7.65%, UK NI ~12%

Retirement Contribution (%)

401k, pension, RA contribution

Other Deductions (per month)

Medical, insurance, union fees

Gross Monthly

Total Deductions (mo)

Net Monthly

Net Annual

Net Weekly

Net Daily

Total Deduction %

Monthly Breakdown

Income Allocation

// Gross vs Net

Gross pay is your total salary before any deductions. Net (take-home) pay is what actually hits your bank account after tax, social security, and other deductions.

// Tax Rate

Enter your effective tax rate (total tax / gross income), not your marginal rate. Use the Income Tax Estimator for a precise bracket calculation.

// Retirement

Pre-tax retirement contributions (401k, RA, pension) reduce your taxable income. A 5% contribution saves you tax at your marginal rate while building long-term wealth.

// Maximise Take-Home

Use tax-efficient contributions (RA, medical aid, donations) to legally reduce your tax burden. Every rand saved on tax is a rand in your pocket.