Income Tax Estimator

Estimate the income tax due on a gross annual salary using your own progressive tax bands or a flat rate, and see the take-home pay, effective rate and marginal rate.

Need help with the calculation?
How is income tax worked out?
Tax structure
Tax bands Each band has an upper income threshold and the rate charged on income inside it. The first band starts just above the tax-free allowance; the last band's rate applies to everything above the previous threshold — leave its threshold blank for "no upper limit".

Thresholds are measured on taxable income (income after the tax-free allowance). Keep them in increasing order.

Examples and currency symbol
Example setups
Total income tax for the year
0
Enter an income and your tax rates to see the result.
Take-home income0
Effective tax rate0%
Marginal rate0%
How your income splits into tax and take-home
Take-home 0 Income tax 0

The green part is the money you keep; the red part is the income tax. The red share of the whole bar is your effective tax rate.

Tax raised in each band
Band Rate Income taxed here Tax from this band

Each band only taxes the slice of income that falls inside it. Moving into a higher band never lowers your take-home pay, because only the income above the threshold is taxed at the higher rate.

For beginners: how to read this result
The tax-free allowance comes off firstThe allowance is income taxed at 0%. Only what is left after subtracting it — the taxable income — is fed into the bands or the flat rate.
Progressive means band by bandEach band has its own rate. A band only taxes the income that falls between its lower and upper threshold, not your whole income, so the rates stack up gradually.
Effective rate vs marginal rateThe effective rate is total tax divided by gross income — your average. The marginal rate is the rate on your last unit of income, which is the rate of your top occupied band.
Set your own bandsTax bands, rates and allowances differ by country and change over time, so nothing is assumed. Replace the example bands with the thresholds and rates that apply to you.
This is an arithmetic estimate based only on the income, allowance and rates you enter. It does not look up any country's tax bands, and it ignores social-security or payroll contributions, surtaxes, tax credits, dependants, joint-filing rules and special rates for dividends or capital gains. Confirm the correct bands, allowance and rules for your situation before relying on these figures.
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To get a result, choose a tax structure, enter your gross annual income and your tax-free allowance, then set the rates. The calculator returns the total income tax for the year and your take-home pay straight away.

The two tax structures

The structure toggle changes which rate fields appear.

  • Progressive brackets — you build a small table of tax bands. Each row has an upper income threshold and the rate charged on income inside that band; rows can be added or removed. The last band’s threshold is left blank to mean “no upper limit”. The headline shows total tax, and a per-band table shows how much tax each band raises.
  • Flat rate — you enter a single rate that applies to all taxable income above the allowance. The bracket table is hidden in this mode.

How the math works

First the tax-free allowance is subtracted from gross income to give the taxable income, which is the part any rate can apply to. In flat-rate mode the tax is simply taxable income multiplied by the rate. In progressive mode each band taxes only the slice of taxable income that falls between its lower threshold (the previous band’s upper threshold, starting at zero) and its own upper threshold: band tax equals that slice multiplied by the band rate divided by 100. Adding up every band gives the total tax. The effective tax rate is total tax divided by gross income, and the marginal rate is the rate of the highest band your income actually reaches. Take-home income is gross income minus total tax.

Reading the result

The split bar shows gross income divided into the part you keep and the part paid as tax, so the red share is your effective rate made visual. The per-band table shows where each unit of tax comes from. Moving into a higher band never reduces take-home pay, because only the income above a threshold is taxed at the higher rate.

What is not included

This is an estimate. It does not look up any country’s tax bands or allowances, and it ignores social-security or payroll contributions, surtaxes, tax credits, dependants, joint-filing rules and special rates for dividends or capital gains. All thresholds and rates are values you enter yourself, because they differ by country and change over time. Confirm the correct bands, allowance and rules for your situation before relying on the figures.