Methodology

How Homiotake calculates take-home pay. Rates verified 27–28 October 2026.

Every figure comes from an official source, listed here with its verification date, and re-checked when a new tax year starts. No rate is copied from another calculator site. All results are estimates — see the financial disclaimer.

USA — tax year 2026

Source: IRS Revenue Procedure 2025-32 (IRB 2025-45), irs.gov. Verified 27 October 2026.

Standard deduction: single $16,100; married filing jointly $32,200. Federal brackets (single): 10% to $12,400; 12% to $50,400; 22% to $105,700; 24% to $201,775; 32% to $256,225; 35% to $640,600; 37% above. Federal brackets (joint): 10% to $24,800; 12% to $100,800; 22% to $211,400; 24% to $403,550; 32% to $512,450; 35% to $768,700; 37% above.

Social Security: 6.2% on the first $184,500 of wages (maximum $11,439). Medicare: 1.45%, no wage cap. Additional Medicare: 0.9% on wages over $200,000 (single) or $250,000 (joint).

Worked example (re-checked): $60,000 salary, single, no state tax, no 401(k). Taxable income $60,000 − $16,100 = $43,900. Federal tax: 10% × $12,400 + 12% × $31,500 = $5,020. FICA: 7.65% × $60,000 = $4,590. Take-home $50,390 a year, about $4,199 a month.

Not included: state income tax, health-insurance premiums, 401(k) beyond the optional percentage field (which reduces federal taxable income only — FICA still applies), and other payroll deductions.

UK — tax year 2026-27 (6 April 2026 – 5 April 2027)

Source: GOV.UK, “Income Tax rates and Personal Allowances” and “Income Tax in Scotland”, plus the Scottish Budget 2026-27. Verified 27 October 2026.

Personal Allowance: £12,570 (frozen to 5 April 2031; tapers £1 per £2 over £100,000, gone at £125,140). England, Wales and Northern Ireland bands: 20% £12,571–£50,270; 40% £50,271–£125,140; 45% above. Scotland bands: 19% to £16,537; 20% to £29,526; 21% to £43,662; 42% to £75,000; 45% to £125,140; 48% above. National Insurance (employee): 8% £12,571–£50,270; 2% above (annualised; National Insurance is really worked out per pay period).

Worked example (re-checked): £50,000 salary, England, no pension, no student loan. Taxable income £50,000 − £12,570 = £37,430. Income Tax: 20% × £37,430 = £7,486. National Insurance: 8% × £37,430 = £2,994.40. Take-home £39,519.60 a year, about £3,293 a month.

Student loan (optional field, live since 28 October 2026): thresholds verified from GOV.UK for 2026-27 — Plan 1 £26,900; Plan 2 £29,385; Plan 4 (Scotland) £33,795; Plan 5 £25,000; all at 9% of income above the threshold; Postgraduate Loan £21,000 at 6%. With more than one undergraduate plan, 9% is charged over the lowest threshold; a Postgraduate Loan stacks on top. Example: £50,000, Plan 2 — repayment 9% × (£50,000 − £29,385) = £1,855.35 a year, take-home £37,664.25 a year. The annualised figure is shown; PAYE rounds each pay-period deduction down to the whole pound, so 12 × monthly PAYE can differ by a few pounds.

Not included: pension contributions (optional field, coming soon). Employer National Insurance (15% above £5,000) is an

employer cost and is never deducted from take-home pay.

Australia — tax year 2026-27 (1 July 2026 – 30 June 2027)

Source: ATO and Treasury Laws Amendment (More Cost of Living Relief) Act 2025, Schedule 1. Verified 27 October 2026.

Tax-free threshold: first $18,200 at 0%. Resident bands: 15% $18,201–$45,000; 30% $45,001–$135,000; 37% $135,001–$190,000; 45% above. Low Income Tax Offset (LITO): up to $700, phasing out to nil at $66,667 — reduces income tax only, never below $0. Medicare levy: 2% of taxable income (low-income shade-in below $35,013; thresholds to be re-checked against the ATO page before launch). HELP / HECS (optional): 15% of repayment income over $69,528, then 17% over $129,717, then 10% of total over $186,050.

Worked example (re-checked): $90,000 salary, resident, no HELP debt. Income tax: 15% × $26,800 + 30% × $45,000 = $17,520. LITO $0. Medicare levy: 2% × $90,000 = $1,800. Take-home $70,680 a year, about $5,890 a month.

Not included: the $1,000 standard deduction (a tax-return item, not a PAYG change), Medicare Levy Surcharge (optional, off by default), and non-resident / working-holiday-maker rates. Super Guarantee (12%) is an employer cost and is never deducted from take-home pay.

New Zealand — tax year 2026-27 (1 April 2026 – 31 March 2027)

Source: IRD, ACC earners’ levy rates page and Budget 2025 (KiwiSaver). Verified 28 October 2026.

Tax-free threshold: none — tax applies from the first dollar. Bands: 10.5% to $15,600; 17.5% to $53,500; 30% to $78,100; 33% to $180,000; 39% above. ACC earners’ levy: 1.75% of liable earnings, capped at $156,641 (maximum $2,741.22 a year). KiwiSaver (optional): default employee rate 3.5% from 1 April 2026 — savings, not tax; headline take-home excludes it unless ticked. Student loan (optional): 12% of income above $24,128.

Worked example (re-checked): $90,000 salary, M code, no KiwiSaver, no student loan. Income tax $19,577.50. ACC levy: 1.75% × $90,000 = $1,575. Take-home $68,847.50 a year, about $5,737 a month.

Not included: Independent Earner Tax Credit (ME code only — a toggle is still to be added), secondary tax codes, and non-resident treatment.

Canada — Ontario (2026)

Federal and Ontario 2026 rates, CPP and EI maximums verified 27 October 2026 (CRA / Canada.ca). Calculator shipped 28 October 2026 after the credit treatment was resolved: base CPP (4.95%) and EI earn a non-refundable credit at the lowest rate (14% federal, 5.05% Ontario); first-additional CPP (1%) and CPP2 (4%) are deducted from income (CRA line 22215, maximum $1,127 in 2026); Canada Employment Amount is $1,501 (credit at 14%). Ontario surtax, Ontario tax reduction and Ontario Health Premium step table are included.

Worked example (re-checked): $90,000 salary, Ontario, single, no RRSP. Taxable income $88,873 (after the $1,127 enhanced-CPP deduction). Federal tax $11,251.60; Ontario tax $5,031.96; Ontario Health Premium $750; CPP $4,230.45; CPP2 $416; EI $1,123.07. Take-home $67,196.93 a year, about $5,600 a month, about $2,585 biweekly.

Cross-checks (28 October 2026): $60,000 Ontario matches Worldsalaries exactly ($47,339.75 take-home); $75,000 and $100,000 match PaycheckGuru to within $1 ($56,926 and $74,206).

Not included: other provinces and Quebec (Quebec needs a separate return, QPP, QPIP and different EI) — Ontario only for launch. Ontario LIFT credit for low incomes is not included yet: at $50,000 take-home is about $23 lower than PaycheckGuru’s, which includes it; at $60,000 and above it makes no difference.

How articles are written

Articles are written in plain, human language, with one worked example using verified figures, one country-specific rule, and one action the reader can do today. Every article carries a meta title and description, H2 subheadings, and FAQs. Figures are verified against the official source before publication and dated. Nothing is copied from other sites.

Corrections policy

If a rate, figure or claim on this site is wrong, it is fixed in place and the correction noted with a date on the page. To report an error, use the contact page — tax-figure corrections are checked against the official source the same week.