TAKE-HOME PAY
How much of your salary will you keep?
Estimate pay after income tax and payroll deductions, per year and per month.
USUKAUNZCA soon
Open the calculator PERSONAL FINANCE TOOLS · FREE ACCOUNT
Understand your income.
Plan what’s next.
Estimate your take-home pay, build a monthly budget and work toward savings goals — with your results saved in one personal dashboard.
Take-home pay for US, UK, AU & NZ Budgets & goals in any currency
START WITH A QUESTIONWhat will I take home? ↗Where does it go? ↗How close is my goal? ↗Read the guides ↗
WHAT YOU CAN DO
Four tools. One dashboard.
MONTHLY BUDGET
What remains after the bills?
List income and expenses once, then update them as your month changes.
Any currency
Plan a budget SAVINGS GOALS
How close is your goal?
Set a target, record each contribution and see the monthly amount still needed.
Any currency
Set a goal SAVED CALCULATIONS
What if your pay changes?
Keep scenarios — a raise, a new job, a move — and reopen them later.
Private to you
See saved calculations Take-home pay: US federal tax, Social Security and Medicare (2026, state tax not included) · UK excluding Scotland (2026/27) · Australian residents (2026–27) · New Zealand tax residents (2026/27). Canada is coming soon.
YOUR DASHBOARD
Your month
at a glance.
Income, expenses, what remains and how your goals are moving — in one place that updates when your plans change.
Create your dashboardMONTHLY INCOME$4,200
MONTHLY EXPENSES$3,150
EMERGENCY FUND GOAL$3,600 of $6,000 · 60%
Remaining this month$1,050
Sample data — illustrative figures, not a real member.
HOW IT WORKS
Three steps.
No guesswork.
Your figures stay in your account, private to you. Nothing is shared with advertisers or analytics.
- 01
Create your account.
An email and password — nothing else.
- 02
Add what your tool needs.
A salary and country, your monthly bills, or a savings target.
- 03
Save, then update over time.
“What if” calculations stay separate from your budget until you choose Apply to budget.
HELPFUL ARTICLES
Read before you plan.
Annual vs Monthly Subscriptions: When Does Paying Upfront Save?
A $120 annual plan versus $12 monthly breaks even after ten payments. Compare usage, cancellation, refunds and renewal prices with a worked example.
General guide · US-dollar examples
Read the article
£12.99 and $12.99 Are Not the Same Price: What One Subscription Costs in Eight Countries
Archived August 2026 subscription prices show why matching digits do not mean matching values. Taxes, plan differences and eligibility limit the comparison.
Eight countries incl. US and UK · archived August 2026 prices
Read the article
The $10 Fee Your Transfer Comparison Can Count Twice—or Miss Entirely
Understand fees added to or deducted from a transfer, follow a worked example, and check your own figures with our calculator.
General guide
Read the articleWHY REGISTER?
Keep your numbers
in one place.
Save your inputs and calculations, keep a monthly budget, track savings goals and update everything as your circumstances change. Delete your account and data any time.
Or start with the guidesfree accountEstimates for planning, not tax advice