Take Home Pay Calculator
Calculate your net paycheck based on your annual salary, preferred pay frequency, and country. See exactly how much you take home each pay period.
Understanding Your Take-Home Pay
Your take-home pay is the cornerstone of personal budgeting. It represents the actual amount deposited into your bank account each pay period after income tax and social security contributions have been deducted by your employer. While your gross salary is the headline figure in your employment contract, your net pay is what determines your day-to-day spending power, savings capacity, and financial flexibility.
The amount deducted from each paycheck depends on two main factors: the income tax system in your country and the applicable social security contribution rate. Most countries use progressive tax brackets, which means the first portion of your income is taxed at a lower rate, with higher rates applied to income above specific thresholds. A personal allowance further reduces your taxable income by exempting a set amount from taxation entirely.
Pay frequency plays an important role in how you experience your income, even though it does not change the annual total. Being paid weekly means receiving 52 smaller payments throughout the year, while monthly pay results in 12 larger deposits. Bi-weekly pay, common in North America, delivers 26 payments. Understanding how your annual salary translates into each individual paycheck helps you plan monthly bills, set savings goals, and maintain a realistic budget. This calculator provides a clear breakdown across all common pay frequencies so you can choose the view that matches your situation.