Free · No signup · 20+ countries
Your money, finally understood.
From payslip to plan — one place to calculate, learn and stay ahead.
mySal is a free salary, tax & money intelligence platform. Start with the take-home calculator for 20+ countries, then explore 56 calculators for debt payoff, mortgage, pension, investing, tax refunds and life-event pay. Get proactive Pulse insights, ask the AI Advisor, learn in mySal Academy, and scan payslips so your numbers stay real. No signup, no data ever sold.
Free forever · 20+ countries · nothing to install
Calculate your take-home
Choose your input, add precision, results update instantly.
net pay per month: £2,993.30. You keep 79.8%.
You keep 79.8% · net pay per month
£2,993.30
from £3,750.00 gross · £35,919.60 a year
- Take-home 80%
- Income tax 14%
- National Insurance 6%
Take-home at a glance
Assumptions & sourceTax year 2026/27
- Personal allowance: £12,570
- Rest-of-UK income tax bands.
- NI Class 1 employee: 8% between £12,570–£50,270, 2% above.
Save your calculation and unlock AI advice
It's free to sign up — sync across devices and ask the AI Advisor anything.
Most people don't actually know what they take home.
Between tax, social contributions, pension and student loan, the number on your contract and the number in your account are two different things — and every payslip hides the gap. mySal closes it. One place to see exactly what lands, work out whether that overtime or second job is really worth it, plan debt payoff, compare mortgage or rent options, and keep more of what's yours.
Calculate everything that matters.
Take-home pay is just the start. Run 56 calculators across salary, tax, debt, mortgage, pension, investing, savings, tax refunds, redundancy, maternity and more. Every result uses official HMRC, Revenue, IRS and country-specific rates, so the numbers match real life.
Ask your own numbers.
Generic tax articles don't know your salary. mySal's AI does. Ask “is my overtime worth it?”, “what if I overpay my debt?” or “what am I missing?” and get answers built on your figures and your country's rules — not someone else's average.
Stay ahead of your money.
mySal Pulse surfaces proactive insights before you ask: deadlines, deductions, better savings rates, and debt payoff wins. Learn how money works in mySal Academy, scan payslips and documents so nothing is missed, and track markets, portfolios and strategies — all in one secure place.
Link your bank
See your real money, not just your salary
Upload a statement from your banking app and mySal reads it for you — your balance, when your pay lands, and where the last 30 days went, sorted into groceries, transport, subscriptions and more. Private to your account, deletable any time.
Understanding your salary, tax and take-home pay
Why your payslip never matches your contract
Your contracted salary is a gross figure — the amount before anything is taken off. Between you and that number sit income tax, social contributions (National Insurance in the UK, PRSI and USC in Ireland, FICA in the US), pension contributions, student loan repayments and sometimes salary sacrifice schemes. Each has its own bands, thresholds and quirks, which is why two people on the same salary in different countries — or even different US states — can take home very different amounts.
Marginal vs effective tax rate — the confusion that costs you
Your marginal rate is what you pay on your next pound, euro or dollar earned; your effective rate is your total tax divided by your total pay. Moving into a higher band never means your whole salary is taxed more — only the slice above the threshold. Knowing this turns “is a pay rise worth it?” into a simple calculation, and it’s exactly what the take-home calculator above shows for 20+ countries, each using its own published tax year.
Legal ways to keep more of what you earn
Pension contributions and salary sacrifice arrangements usually come out of your pay before tax, which lowers the slice the taxman sees. Tax credits offset your bill directly. Get the balance right and you can raise your take-home without earning a penny more — or deliberately trade a little take-home now for a much bigger pension later. Try the pension and salary-sacrifice options in the calculator to see the effect instantly.
Planning with your real number
Once you know your true monthly take-home, every other money decision gets easier: what rent or mortgage you can carry, how fast you can clear debt, how much you can safely invest, and whether that side job or overtime is genuinely worth your time. mySal’s 56 calculators — from debt payoff to mortgage, redundancy to maternity pay — all build on this one number.
Common questions about take-home pay
How much tax will I pay on my salary?
It depends on your country, region and personal situation. The calculator above applies each country's published bands for income tax and social contributions (the tax year is shown with every result), plus pension, student loan and credits if you add them — so you see your exact figure rather than a national average.
Is overtime or a second job worth it after tax?
Extra income is taxed at your marginal rate, never your whole salary. Add the extra amount as a bonus in the calculator to see what you’d actually keep before you commit.
Why is my first payslip of the year different?
Tax codes, cumulative calculations and updated annual thresholds all shift the monthly deduction. If your payslip looks off, compare it against the estimate here, then scan it with mySal’s payslip reader to check each line.
Does mySal store or sell my salary data?
No. Calculations run in your browser and nothing is stored unless you choose to create a free account to sync across devices. Your data is never sold.
Ask AI — quick fire
Instant answers on tax, pay, pensions and deductions — using your live figures.
Your figures stay private to your account.
Sign in to get answers personalised to your salary.
Your money, your next move
What would you like to do?
Start with a goal, search by name, or browse every mySal tool in one organised place.
Salary guides
Take-home pay for every common salary, with the current tax-year figures.
Free to use. Nothing to install. Your data is yours — never sold, ever.
Know your real numberLearn money, tax and pay — in plain English
Eight tracks of bite-size lessons with a quiz after each one, an exam at the end of every track and a certificate when you finish. Free to read.
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Education only — mySal Academy explains how money and tax work in general terms. It isn't financial advice.
Estimates only · not financial or tax advice