Salary Calculator
See exactly what your salary becomes after tax and deductions. Your payslip shows a gross figure, but what matters for budgeting is the take-home amount. Enter your monthly gross salary, effective tax rate, and monthly deductions to get your annual gross, annual tax, annual take-home pay, and monthly take-home pay — the four numbers that define your real income.
How to Use the Salary Calculator
- Enter your monthly gross salary — the amount on your contract before any tax or deductions.
- Enter your effective tax rate as a percentage of gross pay. If you are unsure, divide last year’s total tax by your gross income.
- Enter your total monthly deductions such as pension contributions, medical aid, or insurance premiums.
- Press Calculate to see your annual gross, annual tax, annual take-home, and monthly take-home pay side by side.
Practical example
If you earn $100,000 per month with a 20% tax rate and $5,000 in monthly deductions, your annual gross is $1,200,000. Tax takes $240,000 and deductions take $60,000 over the year, leaving an annual take-home of $900,000 — which works out to $75,000 per month in your pocket. Comparing two job offers becomes easy: a higher gross salary with heavy deductions can leave you with less take-home than a modest salary with minimal deductions, and this calculator makes that trade-off visible in seconds.
Key features and benefits
- Full annual picture: converts your monthly salary into yearly gross, tax, and net figures for long-term planning.
- Deduction-aware: includes pension, insurance, and other fixed monthly deductions that payslips often bury.
- Offer comparison: run two salaries through the tool to see which job actually pays more.
- Instant results: every figure updates the moment you press Calculate.
- Private: all math happens in your browser — no data is sent anywhere.
Limitations
This calculator uses a flat tax rate you provide, so it is a simplified estimate. Real payroll tax is often progressive, with different rates applied to different income bands, and may include additional levies, bonuses taxed differently, or employer contributions that never appear on your payslip. Overtime, commissions, and annual bonuses are not modelled. Use the result for planning and comparison, and check your actual payslip or a tax professional for exact figures.