Take-Home Pay
See what reaches your account after tax and other deductions.
Enter your numbers
Formula
How the calculation works
Take-home pay is gross minus every deduction, and here each deduction is a flat share of gross: 3,000 less 15% tax and 7% other leaves 2,340. The 22% comes off the same base both times, so the two rates simply add. Order never changes the answer, which is not true once a deduction is a fixed sum rather than a percentage.
The real gap between gross and net is usually not one rate but a stack. A 30,000 salary with 15% tax, 7% pension and 2% union dues keeps 76% of it, or 22,800 a month, and the annual figure of 273,600 is what should be compared between offers, not the headline 360,000.
A percentage model is an estimate, and it fails in one direction only. Real income tax is banded, with a lower rate on the first slice of earnings, so a flat 15% overcharges someone on a modest income and undercharges someone on a high one. The tool is honest about this: it computes the rate you give it and makes no claim about any country's brackets.
Common mistakes
- Budgeting from the gross figure. A 3,000 offer that nets 2,340 does not cover a 2,500 rent, however good the headline number looks.
- Adding a percentage deduction by subtracting its number: 3,000 less 15% is 2,550, not 2,850, because 15% of 3,000 is 450.
- Assuming the flat rate matches your payslip. Bands and allowances mean the effective rate is lower than the marginal one, so the tool is a planning estimate and the payslip is the fact.
When to use it
- Use it to turn a salary offer into what actually reaches your account, and to compare two offers whose gross figures hide different pension or insurance deductions.
- Do not use it as a tax return. It cannot handle allowances, banded rates or a deduction that is a fixed amount rather than a share, so for anything official use your revenue authority's tables or a payroll calculation.
Worked example
3,000 less 15% and 7% leaves 2,340.
Common questions
Is this my country's real tax?
No. This is a flat-percentage estimate. Real income tax is banded, with a lower rate on the first slice. Check your revenue authority's bands for anything official.
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