SalaryCheckup
Free · Private · 2026 Tax Data

Calculate Your Take-Home Pay Instantly

Free, private salary & tax calculator with accurate 2026 data for the US, Germany, and the UK. Your data never leaves your browser.

100% Client-Side
No Data Transmitted
2026 Tax Brackets

Choose Your Country

Select a country to get a calculator tailored to your local tax system

🇺🇸United States

Federal & state income tax, FICA, standard deductions, 401(k) contributions

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🇩🇪Deutschland

Einkommensteuer, Sozialversicherung, Soli, Kirchensteuer, Steuerklassen

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🇬🇧United Kingdom

Income Tax bands, National Insurance, Student Loan, pension contributions

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Everything You Need to Understand Your Paycheck

Powerful features designed to give you complete clarity on your salary, taxes, and deductions.

Visual Payslip Breakdown

See exactly where your money goes with a detailed, visual payslip showing every deduction, tax bracket, and contribution at a glance.

Before/After Raise

Compare your current and future salary side-by-side to see the real impact of a raise on your take-home pay and effective tax rate.

City Comparison

Compare take-home pay across different cities and states, accounting for regional tax differences and local deductions.

2026 Tax Data

Built with projected 2026 federal and state tax brackets, FICA rates, and standard deductions for the most accurate estimates.

100% Client-Side & Private

All calculations run in your browser. No data is ever transmitted to any server. Your salary information stays completely private.

Multi-Country Support

Full support for the United States, Germany, and the United Kingdom — each with country-specific tax rules, deductions, and terminology.

How It Works

Get your personalized paycheck breakdown in three simple steps

1

Choose Your Country

Select the US, Germany, or the UK to get a calculator tailored to your country's tax system, deductions, and terminology.

2

Enter Your Salary Details

Input your gross salary, filing status, state or region, and any additional deductions like 401(k), pension, or church tax.

3

Get Your Instant Breakdown

See your net take-home pay with a full visual breakdown of taxes, social contributions, and deductions — all calculated instantly in your browser.

Frequently Asked Questions

Common questions about SalaryCheckup and how it works

SalaryCheckup uses projected 2026 tax brackets, deductions, and social contribution rates published by government agencies. While we strive for accuracy, actual withholding may vary based on individual circumstances. The calculator is intended for estimation purposes and does not constitute tax advice.

Yes. SalaryCheckup is 100% client-side — all calculations run entirely in your browser. No salary data, tax information, or personal details are ever transmitted to or stored on any external server. Your data never leaves your device.

SalaryCheckup currently supports salary calculations for the United States (federal + state taxes, FICA), Germany (Einkommensteuer, Sozialversicherung, Soli, Kirchensteuer), and the United Kingdom (Income Tax, National Insurance, Student Loan).

Gross pay is your total salary before any deductions. Net pay (also called take-home pay) is what you actually receive after taxes, social contributions, and other deductions are withheld. SalaryCheckup calculates the exact difference based on your inputs.

Yes. For the US, we support all 50 states with their specific income tax brackets and standard deductions. For Germany, we include Solidaritätszuschlag, Kirchensteuer, and state-specific church tax rates. For the UK, we include Scottish rate changes, Student Loan plans, and pension contributions.

Yes. SalaryCheckup includes a City/Region Comparison tool that lets you compare take-home pay between two different locations, accounting for regional tax differences, cost of living, and local deductions.

Use the Before/After Raise comparison tool. Enter your current salary and your new salary after the raise, and SalaryCheckup will show you the exact difference in take-home pay, total taxes, and effective tax rate — so you know exactly how much more you'll actually see in your paycheck.

Understanding Your Paycheck Calculation

Calculating your take-home pay can be surprisingly complex. Between federal income tax brackets, state taxes, social security contributions, and various deductions, it's easy to lose track of where your money goes. SalaryCheckup simplifies this process by providing an accurate, easy-to-understand paycheck calculator that breaks down every component of your salary.

For US employees, our calculator accounts for the 2026 federal income tax brackets, all 50 state income tax rates, FICA (Social Security and Medicare) contributions, standard deductions, and pre-tax contributions like 401(k) plans. Whether you're a single filer or married filing jointly, you'll get a precise estimate of your net take-home pay on a monthly, semi-monthly, biweekly, or weekly basis.

German employees benefit from our comprehensive Gehaltsrechner, which handles Einkommensteuer (income tax) based on the official Steuerklasse system, Sozialversicherung (social insurance) including Krankenversicherung, Pflegeversicherung, Rentenversicherung, and Arbeitslosenversicherung, along with Solidaritätszuschlag and Kirchensteuer where applicable. The calculator also supports the Minijob threshold and accurate Lohnsteuer computation.

UK workers can calculate their take-home pay using our UK tax calculator, which incorporates the 2026/27 Income Tax bands, National Insurance contributions (Class 1), Student Loan repayment plans (Plan 1, Plan 2, Plan 4, and Postgraduate), and pension contributions. Scottish residents benefit from the Scottish rate of income tax being properly applied.

What sets SalaryCheckup apart is its commitment to privacy: all calculations run entirely in your browser using client-side JavaScript. No salary data, personal information, or tax details are ever transmitted to an external server. This makes SalaryCheckup not just a powerful salary calculator, but also a secure one. Whether you're negotiating a job offer, planning a budget, or simply curious about your tax burden, SalaryCheckup gives you the answers you need — instantly and privately.