About Us
Built to answer one question:
what will I actually take home?
PaycheckTaxCalc is a free, browser-based paycheck calculator for employees in the United States, Canada, and the United Kingdom. Every calculation runs entirely on your device — no data is sent to any server, no account is needed, and nothing is stored.
Why we built this
Gross salary numbers are everywhere — job listings, offer letters, LinkedIn. But the number that matters is the one that lands in your bank account. That number is surprisingly hard to find out before you accept an offer, plan a budget, or compare two jobs in different states.
Existing paycheck calculators were either locked behind paywalls, cluttered with ads that obscured the results, required account sign-ups, or gave answers that didn’t match real paychecks because they used outdated tax tables. We wanted something different: accurate, fast, free, and private.
The result is PaycheckTaxCalc — a tool that shows you your federal tax, state tax, FICA, and any pre-tax deductions, broken down per paycheck and annually, with nothing standing between you and the answer.
How our calculations work
United States
US calculations use the 2026 IRS tax brackets (sourced from IRS Revenue Procedure 2025-32), the 2026 standard deductions ($15,750 single / $31,500 married filing jointly / $23,625 head of household), and the 2026 Social Security wage base of $184,500. FICA taxes — Social Security at 6.2% and Medicare at 1.45% — are applied before income tax on gross wages. State income tax is computed using each state’s published brackets and rates for 2026.
Pre-tax deductions (traditional 401(k), health insurance, HSA, FSA) reduce the federal and state income tax base but not the FICA base, matching IRS rules. Roth 401(k) contributions have no tax effect on the paycheck.
Canada
Canadian calculations use 2026 federal brackets (15%–33%), CPP contribution rates (5.95% up to the Year’s Maximum Pensionable Earnings of $74,600), and EI premium rates (1.63% up to maximum insurable earnings of $68,900). Quebec residents pay QPP (6.4%) and QPIP (0.494%) instead of CPP, and EI premiums at a separate rate. Each province’s income tax brackets and surtaxes are applied separately.
United Kingdom
UK calculations use 2025/26 HMRC rates. Income Tax is calculated above the Personal Allowance of £12,570 — which tapers by £1 for every £2 of income above £100,000. England, Wales, and Northern Ireland use basic (20%), higher (40%), and additional (45%) rates. Scotland uses the Scottish Rate of Income Tax (SRIT) with six bands from 19% to 48%.
National Insurance Class 1 (employee) is 8% on earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270), and 2% above that. Pension salary sacrifice reduces both the Income Tax and NI base. Student Loan repayments are calculated for Plans 1, 2, 4, and postgraduate loans.
What we don’t cover
Our calculator is designed for standard W-2 employment income. It does not account for: tax credits (Child Tax Credit, Earned Income Credit, etc.), Alternative Minimum Tax (AMT), itemized deductions beyond the standard deduction, self-employment income or Schedule C, investment income, or state-specific tax credits. For complex tax situations, we recommend consulting a Certified Public Accountant (CPA) or Enrolled Agent (EA).
Your data stays with you
Every tax calculation on PaycheckTaxCalc runs entirely in your browser using JavaScript. When you enter your salary and deductions, that information never leaves your device. We do not collect, store, or transmit your income data.
We use Google Analytics to understand aggregate traffic (page views, country of origin, device type) and Google AdSense to serve ads. Neither of these services receives your salary or tax inputs. You can read our full Privacy Policy for complete details on what data is collected and how it is used.
- IRS Revenue Procedure 2025-32 (2026 tax brackets and standard deductions)
- IRS Publication 15-T (federal income tax withholding tables)
- Social Security Administration (2026 OASDI wage base)
- State revenue department websites (state income tax rates)
- Canada Revenue Agency T1 General (2026 federal and provincial brackets)
- Employment and Social Development Canada (2026 CPP/EI rates)
- HMRC (2025/26 Income Tax bands, National Insurance rates, Personal Allowance)
- Revenue Scotland (2025/26 Scottish Rate of Income Tax)
- Student Loans Company (repayment plan thresholds 2025/26)
Tax rates are reviewed and updated annually. Last update: 2026.
Questions or feedback? Contact us