Net Salary / Take-Home Pay Calculator
About this calculator
Net salary is what you actually take home after tax and mandatory deductions. This calculator handles three countries on one page: India, the United States and the United Kingdom, so that you can compare offers across borders or plan a move.
For India it works from CTC and the new or old regime for FY 2026-27. For the US it takes gross pay, filing status and a flat state tax rate, and applies 2026 federal brackets, Social Security and Medicare. For the UK it uses income tax bands and employee National Insurance, including the loss of the personal allowance above £100,000. Pension contributions, student loans and benefits are not included.
How to use it
- Pick a country tab: India, USA or UK.
- India: enter your CTC, choose the regime, and add HRA and 80C for the old regime.
- USA: enter Gross Salary, Filing Status and your State Tax %.
- UK: enter your Gross Salary.
- Read the annual and monthly take-home pay and the deductions.
What each country deducts
India: employee PF, professional tax and income tax with cess. USA (2026): federal income tax after a $16,100 single or $32,200 married standard deduction, Social Security at 6.2% up to a $184,500 wage base, Medicare at 1.45%, and state tax at the rate you give. UK: income tax at 20% above a £12,570 allowance up to £50,270 of income, 40% to £125,140 and 45% above, and employee National Insurance at 8% between £12,570 and £50,270 and 2% above.
Worked example
Three salaries compared
| India: CTC ₹18,00,000, new regime | ₹1,34,008 a month, ₹1,46,307 tax |
| USA: $100,000, single, 5% state tax | $6,182 a month, $13,170 federal tax |
| UK: £60,000 | £3,780 a month, £11,432 tax and £3,211 National Insurance |
The same headline pay can feel very different once deductions are counted. Compare countries on take-home pay and cost of living together, not on gross salary alone.
Tips and common mistakes
- US state tax varies from 0% in Texas and Florida to over 10% in California. Use your state's effective rate, not the top rate.
- US 401(k) and HSA contributions lower taxable income but are not modelled here.
- UK pension contributions through salary sacrifice reduce both tax and National Insurance.
- The UK personal allowance reduces by £1 for every £2 of income above £100,000, which creates an effective 60% rate between £100,000 and £125,140.
- For India, the employer's NPS contribution is deductible in the new regime and can lower tax.
Frequently asked questions
How is net salary calculated?
Net salary is gross pay minus income tax, social security or provident fund and any other mandatory deductions.
Which tax year does this use?
India uses FY 2026-27. The US uses 2026 federal brackets and standard deductions. The UK uses the 2026-27 thresholds, which are unchanged from the previous year.
Does it include state or local tax in the US?
State tax is a flat percentage you enter. City and local taxes are not included.
Why is UK take-home lower above £100,000?
The personal allowance tapers away between £100,000 and £125,140, so you pay tax on income that was previously tax-free.
Is this suitable for filing taxes?
No. It is a planning estimate. Use official tools or a tax professional to file.
Can I compare two countries directly?
Yes. Run each tab with the same gross pay in a common currency to see how take-home pay differs.