Salary Tax Calculator
Full salary breakdown: income tax by bracket, payroll contributions and net pay.
Please note: A general estimate, not tax advice. Rates, bands, allowances and rules differ by country and change frequently. Enter the figures that apply to you and confirm with a qualified tax professional or your tax authority.
What the Salary Tax Calculator does
This combines progressive income tax with flat-rate payroll contributions and pension deductions to produce net pay. Pension is deducted before income tax because most systems give relief at your marginal rate.
Formula
Pension = Salary × Pension rateTaxable = Salary − Pension − DeductionsIncome tax = Progressive brackets applied to taxable incomeNet = Salary − Income tax − Payroll tax − Pension
Inputs explained
| Input | Unit | Required | Notes |
|---|---|---|---|
| Annual gross salary | selected currency | Yes | Accepts more than 0. |
| Deductions and allowances | selected currency | Optional | Accepts 0 or more. |
| Bracket thresholds | text | Yes | The income level where each band starts. Always begin with 0. The greyed-out example shows the format only — it is not a current rate table for any country. |
| Bracket rates (%) | text | Yes | One rate per threshold, in the same order. Use the bands published by your own tax authority for the year you are calculating. |
| Payroll tax rate | % | Optional | — |
| Payroll wage cap | selected currency | Optional | Accepts 0 or more. |
| Pension contribution | % | Optional | Deducted before income tax in many systems. |
| Currency | one of 10 options | Optional | — |
How to use it
- Choose Currency.
- Enter Annual gross salary, Bracket thresholds and Bracket rates (%).
- Optionally add Deductions and allowances, Payroll tax rate and Payroll wage cap.
- Select Calculate.
Worked example
$85,000 salary, $14,600 deduction, 5% pension, 7.65% payroll, brackets 10/12/22/24%.
- Salary
- 85000
- Deductions
- 14600
- Pension
- 5
- Payroll
- 7.65
Pension $4,250, taxable $66,150, income tax $9,861, payroll $6,503 — net $64,386, or $5,366 a month.
Frequently asked questions
Why is pension deducted before income tax?
Most systems give tax relief on pension contributions, so they reduce taxable income. This means a contribution costs you less than its face value in take-home pay.
Method and sources
Method. Pension and pre-tax deductions are removed from salary, the remainder taxed against the bands entered, with any payroll contribution applied to its own capped base.
Assumptions
- Pension contributions reduce taxable income, which is true of many but not all schemes and countries.
- The order of operations — deductions, then bands, then contributions — matches the system being modelled.
Limitations
- Whether a deduction comes before or after tax changes the answer materially, and that ordering is jurisdictional.
- Benefits in kind, student loan repayments, local taxes and salary-sacrifice arrangements are not modelled unless entered as deductions.
- No rate table ships with this calculator: you supply the rates, so the result follows whichever jurisdiction and year you enter. That means it can never go silently out of date — but it also cannot warn you if the figures you entered are.
Sources
- Your own tax authority's published guidance for the relevant year — Varies by jurisdiction. The bands, contribution rates, and the tax treatment of pension and other deductions.