Income Tax Calculator
Estimate your income tax and take-home pay using real 2025/26 tax brackets for the US, UK, Canada and Australia.
How progressive tax works
Income is taxed in bands. Only the portion of your income that falls inside each band is taxed at that band's rate — so earning a little more never leaves you worse off overall. Your effective rate is the total tax divided by total income, which is always lower than your top marginal rate.
This calculator applies the real 2025/26 brackets for each country, including that country's standard deduction (US), personal allowance (UK), basic personal amount (Canada) or tax-free threshold (Australia). It covers national/federal income tax only.
National/federal income tax estimate. It does not include US state tax, UK National Insurance, Canadian provincial tax, or the Australian Medicare levy. Real tax also includes credits and reliefs — treat results as a planning estimate, not tax advice.
FAQ
How does progressive tax work?
Each band of income is taxed at its own rate. Only income above a threshold is taxed at the higher rate.
Which brackets does this use?
Real 2025/26 federal/national brackets for the US, UK, Canada and Australia, including each country's standard deduction, personal allowance, basic personal amount or tax-free threshold.
Is it exact for my country?
It's an accurate national/federal estimate but excludes state/provincial tax, social-insurance contributions (US FICA, UK NI, AU Medicare levy) and personal credits.