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Type your gross salary, pick a region, see what actually hits your bank. US, UK, AU, Nepal, India — no signup, no email, no spreadsheet.
Federal only. Excludes FICA, state, and credits.
Gross is what your offer letter says. Net is what hits your bank. The gap is income tax (progressive, by bracket) plus social contributions (FICA, NI, Medicare, SSF, etc) that come out before you ever see the money.
Even in a high bracket, only your slice above each threshold pays the higher rate. Your effective rate — total tax divided by gross — is what you actually pay, and it's always lower than the headline number.
State / provincial tax, Scottish bands, US additional Medicare, capital gains, and most tax credits aren't modelled. Use this for a directional read, not for filing.
For information only — not financial, tax, or legal advice.
Take-home estimates use simplified brackets and exclude state / provincial tax, Scottish bands, US Additional Medicare, capital gains, and most credits. Always verify with an official source and a licensed professional before filing, borrowing, or transacting. Read the full disclaimer.
ExpenseFlow tags every transaction automatically — by the time your next pay hits, you'll know exactly where the last one went.
