In-Hand In-Hand

Free, accurate take-home pay calculators — no signup, no ads

TL;DR: In-Hand converts gross salary into real take-home pay in 9 countries, matching what you'll actually see on a payslip — built by an ex-Meta engineer, ad-free, and free to use.

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Countries covered
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Why we built this

Most paycheck calculators are either buried in ads, out of date on tax brackets, or built for one narrow case (a single state, a single tax year). We wanted something simpler: enter your gross salary, pick your state or country, and get a number that's close to what actually lands in your bank account — for the current tax year, kept up to date as rates change.

In-Hand started as an India-focused salary calculator (in-hand.in), built by Rohit Nigam, an ex-Meta engineer who spent years working across India, North America and Europe and got tired of stitching together spreadsheets and out-of-date blog posts to answer a simple question: "what will I actually take home?" In-Hand.net extends the same calculator — and the same accuracy bar — to 9 more countries.

What we cover

  • Australia — Resident, foreign-resident or working-holiday rates with LITO, the Medicare levy and its surcharge, plus any HELP/HECS repayment.
    Verified against the ATO on 2 Sep 2026.
  • Canada — Federal and provincial brackets with each jurisdiction's basic personal amount credit, CPP/CPP2 (QPP/QPP2 and QPIP in Quebec), EI, and any RRSP contribution.
    Verified against the CRA and Revenu Québec on 2 Sep 2026.
  • Germany — Einkommensteuer from the statutory §32a formula for your Steuerklasse, plus Solidaritätszuschlag, church tax and social insurance.
    Verified against §32a EStG (gesetze-im-internet.de) on 2 Sep 2026.
  • Ireland — PAYE income tax with tax credits and the standard rate cut-off, USC bands and PRSI, on the salary slice after any bonus/RSU carve-out.
    Verified against Revenue.ie on 31 Aug 2026.
  • Netherlands — Box 1 brackets at your age, the algemene heffingskorting and arbeidskorting, and the 30% ruling within its cap and salary norm.
    Verified against Belastingdienst on 2 Sep 2026.
  • New Zealand — PAYE brackets or a flat secondary tax code, the ACC Earner's Levy, the Independent Earner Tax Credit, KiwiSaver and any student loan repayment.
    Verified against IRD on 2 Sep 2026.
  • Singapore — Resident income tax after CPF Relief and Earned Income Relief, with CPF at your age band and residency (including graduated 1st/2nd-year PR rates).
    Verified against IRAS and the CPF Board on 2 Sep 2026.
  • United Kingdom — PAYE income tax on your tax code, National Insurance, any student loan plan and pension contributions.
    Verified against HMRC on 31 Aug 2026.
  • United States — Federal brackets with the standard deduction, FICA (Social Security and Medicare), state and local tax, and any 401(k) contribution.
    Verified against the IRS and state revenue departments on 31 Aug 2026.

Our methodology

Every calculation is built directly from official tax-authority rules for the current tax year — the ATO for Australia, the CRA and Revenu Québec for Canada, §32a EStG (gesetze-im-internet.de) for Germany, Revenue.ie for Ireland, Belastingdienst for the Netherlands, IRD for New Zealand, IRAS and the CPF Board for Singapore, HMRC for the United Kingdom, and the IRS and state revenue departments for the United States — not from third-party estimates. We publish the bracket-by-bracket logic in code, cover it with automated tests, and cross-check results against a handful of real salary levels before shipping any change. Tax rules change every year; we track official updates and refresh the calculator as soon as new figures are confirmed.

That said, this is a planning tool, not a substitute for your actual payslip, your employer's payroll system, or a licensed tax professional. Your exact numbers can differ based on your tax code, filing status, benefits, and payroll timing.

Our privacy commitment

In-Hand is free and ad-free — we don't sell your data, and we don't run third-party ad trackers. We collect the minimum needed to run the calculator and understand aggregate usage (see our Privacy Policy for the full details, specific to your country).

Get in touch

Found something inaccurate, or missing a feature you need? We read every message. Use the "Tell us what's missing" link on the calculator, or reach us via the contact details in our Privacy Policy.