See your exact salary after all taxes and deductions — updated for 2024/25 tax rules in the USA, UK, and South Africa.
Frequently Asked Questions
How is take-home pay calculated in the USA?
US take-home pay is your gross salary minus federal income tax (2024 brackets: 10%–37%), FICA Social Security (6.2% up to $168,600), Medicare (1.45% + 0.9% over $200k), state income tax, and any pre-tax deductions like 401(k) contributions. Your standard deduction ($14,600 single / $29,200 married in 2024) reduces your taxable income before federal tax is applied.
What is National Insurance in the UK?
National Insurance (NI) is a UK payroll contribution used to fund state benefits. In 2024/25, employees pay 8% on earnings between £12,570 and £50,270, then 2% above that. Your NI contributions also count toward your State Pension entitlement. NI is calculated separately from income tax.
South Africa: what is UIF?
UIF (Unemployment Insurance Fund) is a mandatory South African payroll deduction. Employees contribute 1% of gross salary, capped at a monthly salary of R17,712 (so max R177.12/month). Employers also contribute 1%. UIF provides short-term relief for workers who become unemployed, ill, or take maternity leave.
What is the UK Personal Allowance taper?
In the UK, the personal allowance (£12,570 in 2024/25) is reduced by £1 for every £2 of income over £100,000. This means it is completely eliminated at income of £125,140, creating an effective 60% marginal tax rate between £100,000 and £125,140. This calculator applies the taper automatically.
How do I reduce my tax bill in South Africa?
The most effective strategies are: (1) Contribute to a Retirement Annuity (RA) — contributions are tax-deductible up to 27.5% of taxable income, capped at R350,000/yr. (2) Contribute to a pension or provident fund via your employer. (3) Claim medical aid tax credits (R364/month for the first two members, R246/month for additional members). This calculator applies all standard credits automatically.