How do I calculate my take-home pay?

Enter your gross annual salary, select your country and province or state, choose your pay frequency, and click Calculate. The calculator deducts income tax, CPP or Social Security, EI or Medicare, and any other applicable contributions to show your net take-home pay.

What is the difference between gross pay and net pay?

Gross pay is your salary before any deductions. Net pay — also called take-home pay — is what you actually receive after income taxes, payroll contributions, and other deductions are subtracted.

Does this calculator work for Canada, USA, UK and Australia?

Yes. Select your country using the flag buttons at the top of the calculator. The tool automatically applies the correct federal and provincial or state tax brackets, CPP/EI for Canada, Social Security and Medicare for the USA, National Insurance for the UK, and Medicare Levy for Australia.

Salary + Paycheck Calculator — Take-Home Pay | World Utility Hub

Salary + Paycheck Calculator

See your exact take-home pay after income tax, CPP/EI, Social Security and all deductions — for Canada, USA, UK, Australia or any country worldwide.

Your Income & Location

🌍 Worldwide mode: Enter your gross income and your country’s tax rates below. All results — take-home, effective rate, and period breakdown — will be calculated the same way as featured countries.

Annual Gross Salary Before tax — your full yearly salary

Pay Frequency Used to show per-paycheck results

Net Pay Received The amount deposited in your account

Per Pay Period How often this amount is paid

Hourly Rate Your base pay per hour

Pay Period How often you are paid

Regular Hours Hours at your base rate this period

Overtime Hours (OT) Hours paid at overtime rate

Overtime Multiplier Your overtime pay rate

Double Time Hours Hours at 2x rate (if applicable)

Estimated Gross Pay This Period

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Canada (Federal): Overtime is required after 44 hours per week at 1.5x. Some provinces have different thresholds — Ontario: 44 hrs, BC: 40 hrs, Alberta: 44 hrs. Enter your actual hours including OT as agreed with your employer.

Province / Territory

State

Filing Status

Region

State / Territory

Income Tax Rate (%) Your country’s income tax rate

Payroll / Social Tax (%) CPP, NI, Social Security equivalent

Optional Deductions & Contributions

RRSP Contribution Reduces taxable income dollar-for-dollar

Union Dues

Childcare Expenses

Other Deductions

Your Results

Pay Breakdown

Income by Period

Tax Brackets

Save your full breakdown — no sign-up required

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How to Calculate Your Take-Home Pay

Your take-home pay — also called net pay — is what remains after your employer deducts income taxes, payroll contributions, and other mandatory amounts from your gross salary. The exact amount depends on which country and province or state you live in, your total income, and your personal tax situation. This free salary calculator handles all of that automatically. Enter your annual gross salary, select your country and region, choose how often you are paid, and click Calculate to see a complete breakdown of every deduction and your exact net pay for the year, month, bi-weekly period, and week.

In Canada, deductions include federal and provincial income tax based on graduated brackets, CPP contributions up to the annual maximum, and EI premiums. In the USA, deductions include federal income tax based on your filing status, state income tax, Social Security at 6.2% up to the wage base, and Medicare at 1.45%. In the UK, deductions include income tax under PAYE and National Insurance contributions. In Australia, deductions include income tax under the ATO brackets and the Medicare Levy. For any other country, use the Worldwide mode and enter your own tax rates.

The effective tax rate shown is the percentage of your total gross income that goes to all deductions combined. The marginal tax rate is the rate applied to your last dollar of income — the highest bracket you fall into. Understanding both helps you plan contributions, negotiate salary, and evaluate job offers accurately.

Frequently Asked Questions

What is gross pay vs net pay? Gross pay is your salary before any deductions. Net pay is what you actually receive after income taxes and all other deductions are subtracted. Most job offers state gross salary, so this calculator helps you understand what you will actually take home.

How does an RRSP contribution affect my taxes? In Canada, RRSP contributions reduce your taxable income dollar for dollar. A $10,000 RRSP contribution could save you $3,000 or more in taxes depending on your marginal rate. Enter your planned contribution in the optional deductions section to see the exact savings.

Why is my actual paycheque different from this estimate? This calculator uses standard deduction rates and does not account for employer benefits, additional tax credits, garnishments, or other personal circumstances. The results are accurate estimates for most people but your employer’s payroll system may apply additional adjustments.

Does this work for hourly workers? Yes — multiply your hourly rate by your annual hours (for example 40 hours per week × 52 weeks = 2,080 hours) to get your annual gross salary, then enter that amount.