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Tax & Salary Calculators

Estimate income tax, take-home pay and VAT or GST. Everything is calculated in your browser, tied to a named tax period, and shown band by band with the government source it came from.

Estimate only. These calculators are for general information and education, and are not tax, legal, accounting or financial advice. Tax depends on facts these pages do not capture. Check anything that matters with the tax authority or a qualified professional.
Where a $100,000 salary goes $79,180take-home of $100,000 Take-home 79.2% Tax 13.2% FICA 7.7%Salary After TaxUS federal tax, FICA, dependants, capital gains and self-employment — plus the UK, Australia and Singapore, band by band.Work out take-home payAdding tax, and taking it back out + 20% = 20.00 100.00Net 120.00Gross − 16.67% = 20.00VAT, GST & Sales TaxAdd tax to a price, or take it back out of one that already includes it. The same £20 either way — but not the same percentage, which is where it goes wrong.Add or extract taxMarginal rate against effective rate marginal 22%effective 13.2% 10%12%22%24%32%35%37% How tax bands actually workWhy a higher band does not tax all of your income at the higher rate, and why your effective rate is well below your marginal one.Read the guideMarginal rate against the bracket 31.4%real marginal rate the bracket says 24% Of the next $1,000 $686.50 kept$313.50 takenWhat your next raise is worthYour bracket is not your marginal rate. See what a raise or bonus really leaves once credits withdraw and ceilings are crossed.Find your real rateShare of pay kept in four countries Share kept of 100,000 local currency Singapore94.3%United States79.2%Australia77.5%United Kingdom68.6%The same salary in four countriesWhat share of pay each system leaves you, compared the one way that works across currencies — no exchange rates invented.Compare four systems

Which countries, and why only these

Four, at the moment: the United States for tax year 2026, the United Kingdom for 2026 to 2027, Australia for the 2026–27 income year, and Singapore for YA 2026. Every rate and threshold in them was read from the IRS and the Social Security Administration, from HMRC, from the ATO and from IRAS respectively, on the date shown at the bottom of each calculator.

That is a deliberately short list. A tax calculator is only worth having if its numbers are right, and the only way to know they are right is to read them from the authority that sets them. Countries are added when their rules have been read and tested, not when they would be useful to have.

The United States, and what "state not included" means

The American calculator does federal income tax and FICA in full: the 2026 rate schedule for your filing status, the standard deduction that goes with it, Social Security up to the $184,500 wage base, Medicare with no ceiling at all, and the Additional Medicare Tax above the threshold your filing status sets. Those figures come from Revenue Procedure 2025-32, the IRS news release that accompanies it, and the Social Security Administration's own contribution and benefit base table.

It also handles the four things that most often make a real return look nothing like a salary calculator's answer. Dependants: the Child Tax Credit at $2,200 a child and the $500 Credit for Other Dependents, withdrawn in $50 steps above the threshold, with the refundable part worked out so a low income can show a negative tax. Stocks and crypto: long-term gains and qualified dividends at 0/15/20%, stacked on top of ordinary income the way the statute does it, short-term gains at ordinary rates, and the 3.8% Net Investment Income Tax. A side business: self-employment tax at 15.3% on 92.35% of profit, the deduction for half of it, the § 199A qualified business income deduction below the threshold, and the wage base shared with any salary rather than counted twice. Itemised deductions: entered as a total, and used only when they beat the standard deduction.

State income tax is a different matter, and the page makes exactly one kind of claim about it. Nine states — Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming — levy no individual income tax, and each of those is cited to that state's own revenue authority, with the sentence it was read from. Choose one of them and the answer is complete.

Every other state is marked not included. That is a statement about this tool, not about that state: it means the rate table has not been read from the authority and therefore is not being guessed at. Pick one of those and the take-home figure is labelled as being before state tax, both on the result and in the total row, so it can never be mistaken for a finished answer. Local income taxes — New York City, Philadelphia, the Ohio municipalities — are not calculated anywhere.

How the numbers are checked

Where an authority publishes worked figures, those become tests. IRAS publishes the total tax payable at each step of its table — $200 at $30,000, $7,950 at $120,000, $199,150 at a million — and all twelve of those are asserted against the calculator on every build. The ATO publishes the running total at each threshold, and those are asserted too. The arithmetic runs on integers rather than floating-point decimals, so a total always equals the sum of the lines above it.

Tax years are kept apart rather than overwritten. Australia's second band fell from 16% to 15% between 2025–26 and 2026–27, and both years are present and separately tested, so changing one cannot quietly alter the other.

The American schedule is checked the same way. The IRS states each bracket as a fixed amount plus a rate on the excess — $17,966 plus 24% over $105,700 for a single filer, $206,583.50 plus 37% over $768,700 for a couple filing jointly. Every one of those twenty-four fixed amounts, across all four filing statuses, is asserted against the calculator on every build, which catches a mistyped digit anywhere in the table rather than leaving it to be found in someone's tax bill.

The rules layered on top of that schedule are tested the same way, against figures worked out by hand from the form that implements them: Schedule SE for self-employment tax, Schedule 8812 for the dependant credits and their stepped withdrawal, and the § 1(h) stacking rule for long-term gains. A separate test asserts that the calculator never claims not to model something it now models — a warning that contradicts the breakdown above it is worse than no warning, and that had already gone stale once.

What these do not do

They estimate. They do not prepare or file a return, they do not know your circumstances, and they model a deliberately limited set of rules — each calculator lists exactly what it leaves out, in the same place as the result rather than buried at the bottom. Where a figure is likely to be too high or too low because of something unmodelled, it says which direction.

Nothing you type is uploaded, put in the address bar, or sent to analytics. The calculation happens on your device.