Free salary, tax and loan calculators
Enter a number below and see the take-home pay right away — no scrolling, no extra clicks. All 35 calculators run entirely in your browser and use 2026 tax rules.
Also: 🇳🇿 New Zealand · 🇮🇪 Ireland
$/yr
Estimated monthly take-homeAnnual take-home $58,804 · 21.6% effective tax
$4,900
- Federal income tax
- -$639/mo
- FICA (Social Security + Medicare)
- -$478/mo
- State tax (CA)
- -$232/mo
- Total deductions / month
- $1,350
2026 federal brackets and standard deduction, FICA, and 2026 state income tax. No 401(k), pre-tax benefits, local taxes or credits — those are on the full calculator.
401(k), pay frequency 등 정밀 설정하기 (상세 계산기)All calculators
United States
US Paycheck & Take-Home Pay CalculatorPopularAccurately calculate net pay after Federal Income Tax, FICA (Social Security & Medicare), and 50 State income taxes for 2026.US Mortgage & Amortization CalculatorMortgageEstimate monthly home payments including principal, interest, property taxes, home insurance, and view the full amortization schedule.1099 Freelance & Self-Employment Tax EstimatorGig EconomyCalculate 15.3% Self-Employment (SE) tax, federal tax bracket liability, business deductions, and quarterly estimated tax payments.401(k) Retirement & Growth CalculatorRetirementSimulate retirement nest egg growth with employer matching contributions, salary growth, and compound investment returns.US Restaurant Tip & Bill SplitterEasily calculate 15%, 18%, 20% standard gratuity and split checks evenly among friends with one click.
United Kingdom
UK Take-Home Pay Calculator (2026/27)NewWork out your net salary in England, Wales and Northern Ireland after Income Tax, National Insurance and workplace pension contributions.UK Mortgage & Stamp Duty (SDLT) CalculatorNewEstimate your monthly mortgage payment, Stamp Duty Land Tax for first-time buyers, home movers and second homes, remortgage balance, overpayment savings and the total cash needed upfront.
Canada
Canada Take-Home Pay Calculator (2026)NewEstimate net pay after federal and provincial tax, CPP/CPP2, EI premiums and RRSP contributions for Ontario, BC and Alberta.RRSP vs TFSA Calculator (Canada 2026)NewCompare an RRSP and a TFSA using your 2026 federal and provincial marginal tax rate today and in retirement, with the tax refund, break-even rate and after-tax result in today's dollars.
Australia
Australia Take-Home Pay Calculator (2026-27)NewCalculate your take-home pay after resident income tax, the Medicare levy and salary sacrifice, plus the 12% employer superannuation contribution.Australian Superannuation Calculator (12% Super Guarantee)NewProject your super balance at retirement with 12% employer contributions, salary sacrifice, fees, 15% contributions tax and compound growth, shown in today's dollars.
New Zealand
New Zealand Take-Home Pay Calculator (2026/27)PopularCalculate net pay after PAYE, the 1.67% ACC earners' levy and KiwiSaver, with optional student loan repayments and the employer contribution shown separately.New Zealand KiwiSaver Growth CalculatorKiwiSaverProject your KiwiSaver balance at retirement with employee contributions (3% to 10%), employer matching, and government top-up of up to $521.43/year.New Zealand Mortgage & Repayment CalculatorMortgageCalculate your NZ home loan repayments weekly, fortnightly or monthly. See how accelerated fortnightly payments save thousands in interest.New Zealand GST Calculator (15%)GST 15%Quickly calculate 15% Goods and Services Tax (GST) in New Zealand. Add GST to exclusive prices or remove GST from inclusive prices.
Ireland
Ireland Take-Home Pay Calculator (2026)PopularEstimate net pay after Income Tax at 20% and 40%, the Universal Social Charge, PRSI and pension relief, with the standard rate cut-off and tax credits applied.Ireland Mortgage & Repayments Calculator (2026)MortgageCalculate monthly mortgage repayments in Ireland. Test Central Bank borrowing limits (4x LTI for first-time buyers, 90% LTV) and see total interest over loan term.Ireland Pension Tax Relief Calculator (2026)Tax ReliefCalculate your tax relief on pension contributions in Ireland. See how 40% marginal rate tax relief turns a €100 contribution into €60 out of pocket.
대한민국 (Korea)
연봉 실수령액 계산기 2026 (한국)한국어국민연금·건강보험·장기요양·고용보험 4대보험과 근로소득세를 반영한 월 실수령액을 연봉/월급 기준으로 계산합니다.퇴직금 & 연차수당 계산기 (한국)한국어근로기준법에 따른 최근 3개월 평균임금과 총 재직일수를 기준으로 예상 퇴직금을 산출합니다.부가세(VAT) & 할인율 계산기 (한국)한국어세금계산서용 공급가액·부가세 10% 자동 분리 계산과 세일 할인율·최종 실구매가 역산 계산을 제공합니다.대출이자 계산기 (한국)한국어원리금 균등·원금 균등·만기일시 상환 방식별 월 납입액과 총 이자를 한눈에 비교합니다.실생활 단위 변환기 (평 ⇄ ㎡)한국어아파트 평수와 제곱미터, 인치·cm, 파운드·kg 등 실생활 단위를 실시간으로 상호 변환합니다.연봉 협상 스크립트 생성기 (한국)한국어성과 지표와 희망 연봉을 입력하면 사내 연봉 협상 면담용 한국어 스크립트를 즉시 만들어 줍니다.자소서 글자수 & 바이트 계산기 (한국)한국어공백 포함/제외 글자수, 채용사이트별 바이트(Byte), 단어수, 원고지 장수를 실시간으로 측정합니다.
India
India Salary & Income Tax Calculator 2026/27New SlabsCalculate in-hand monthly salary and compare New vs Old Tax Regime in India with standard deduction (₹75k) and EPF.India EPF Maturity & Interest CalculatorEPF 8.25%Project your Employee Provident Fund (EPF) retirement corpus with mandatory 12% employee contribution, employer matching, and 8.25% compounding.India Gratuity Calculator (Payment of Gratuity Act 1972)GratuityCalculate statutory gratuity payout after 5+ years of continuous service using the standard 15/26 formula and ₹20 Lakh tax-exempt limit.
Global Utilities
Global Relocation & Travel Compass (PPP Salary)NewConvert your salary into a purchasing-power equivalent across the US, UK, Canada, Australia, New Zealand, Ireland, Korea, Japan, Germany and Singapore — then subtract local payroll tax, 1-bed rent and living costs to see your monthly savings, plus 183-day residency risk and visa checkpoints.Remote Freelancer & Contractor Tax CalculatorNewEstimate self-employment tax, business expense deductions, foreign-client withholding relief and instalment due dates for 1099, Sole Trader, Freiberufler and 프리랜서 income in 10 countries.Study Abroad Budget & Runway CalculatorNewEnter your study-abroad budget and see how many months it lasts across 15 countries and 30 cities. Monthly cost breakdown for dorm, shared flat or studio, frugal to comfortable lifestyle tiers, legal part-time work extension, emergency fund and student visa proof-of-funds requirements.Currency Converter & Exchange Rate CalculatorNewConvert one amount into 20 major world currencies at once. Compare the mid-market rate (매매기준율) against bank telegraphic-transfer spreads of 1.5%–3.4%, see what the recipient actually receives, and check how much a mid-market provider saves on the same transfer.Web SaaS & Solopreneur BEP CalculatorBusinessCalculate Revenue >= (Hosting + Domain + AI Cost). Find your break-even point and monthly profit margins.Instant QR Code GeneratorGenerate high-resolution QR codes for websites, text, and Wi-Fi networks. Free PNG download.Secure Password GeneratorGenerate strong, cryptographically secure passwords with customizable lengths and character sets.
Browse calculators by country
Each country hub explains the local tax rules and links every calculator for that system.
Why SmartPayCalc
Built for speed, privacy, and precision math across every tax jurisdiction we support.
100% client-side speed
All amortization, tax bracket, and compound calculations run in your browser instantly. No server latency, no loading spinners.
Absolute privacy
Your salary, home purchase price, and tax information never leave your device. We do not store or transmit your personal financial numbers.
Current statutory formulas
Verified against the published rules of each country's revenue authority — IRS, HMRC, CRA, ATO, New Zealand's Inland Revenue, Ireland's Revenue Commissioners and Korea's National Tax Service — for the current tax year, with scope limits documented on every calculator page.
Common questions
Are these calculators completely free to use?
Yes, 100% free with no sign-up or paywalls. We are supported by non-intrusive sponsor advertisements, allowing us to keep every calculator accessible to everyone.
Which countries are supported?
Payroll and tax tools are available for the United States, the United Kingdom, Canada, Australia and South Korea. Global utilities such as the QR code generator, password generator and break-even calculator work anywhere. New countries are added as statutory rates are verified.
Does this calculator substitute for a certified financial planner (CFP) or CPA?
No. Our tools provide accurate mathematical estimates for educational and planning purposes. For binding tax filings and personalized wealth management, always consult a licensed tax professional in your jurisdiction.