Your effective rate is what you pay on everything. Your marginal rate is what you pay on the next pound — the one that decides whether a raise, a bonus or an extra shift is worth taking. They are not the same number, and the marginal one does not simply climb.
Pay is quoted gross — before tax — but what lands in your account is net. The gap depends on income tax, national insurance or payroll taxes, and increasingly on where you live. Enter a rate, pick a location, and this tool converts the pay, estimates take-home, and lines up several places side by side so you can see the difference.
A $100,000 salary is the same everywhere gross, but net it isn't: in Texas (no state income tax) you keep noticeably more than in California or New York, where state tax takes an extra slice on top of federal tax and FICA.
In the UK, a £50,270 salary crosses into the 40% higher-rate band — every extra pound above it is taxed much harder, which is why net pay flattens out as gross climbs.
It's a solid estimate for a single person on standard allowances with no other income. It uses headline tax bands and ignores pensions, student loans, benefits, credits, and local quirks. Treat it as a ballpark, not a payslip.
UK: income tax (England/Wales/NI or Scotland) plus employee National Insurance. US: federal income tax, FICA (Social Security + Medicare), and state income tax for the chosen state. Employer-side taxes aren't shown — they don't come out of your pay.
Because sub-national governments set their own income tax. Several US states levy none at all; others take up to double digits. Scotland runs different bands from the rest of the UK. Gross is identical; net isn't.
UK figures are the 2026/27 tax year; US figures are the 2026 federal schedule with representative state rates. Tax law changes and personal circumstances vary — always confirm with an official calculator or an accountant before relying on a number.
Releases in which this page changed, newest last. Derived from the archived copy of every release, not from notes written afterwards — so it reflects what actually shipped. Site-wide passes are left out; they are in the full changelog.