Why trust these numbers?
Every rate on this site is taken from an official source and re-checked each tax year: NZ brackets and the ACC levy from IRD, Australian scales and HELP thresholds from the ATO, UK bands and loan thresholds from GOV.UK, Irish bands and USC rates from Revenue. Each country has its own method page with sources and an update log — NZ, AU, UK, IE. When rates change mid-year — like Ireland's PRSI rise in October 2026 — we update the calculators and say so.
Four countries, four very different payslips
The headline salary is the least honest number in a job ad. What survives depends on where you're taxed — here is a typical full-time salary in each country, run through its own system:
| Country | Example salary | Take-home | You keep | The catch to watch |
|---|---|---|---|---|
| New Zealand | $85,000 | $65,585 | 77% | No tax-free threshold — but watch your secondary tax code on a second job |
| Australia | $95,000 | $72,312 | 76% | HELP repayments use a new marginal system — and super comes on top, not out of this |
| United Kingdom | £50,000 | £39,520 | 79% | The £100k personal-allowance taper quietly taxes extra pay at 60% |
| Ireland | €50,000 | €39,648 | 79% | USC and PRSI take €3,152 that income tax never mentions |
Each country's page set goes deeper than the headline calculator: the trap, the side deduction and the niche case (a second job, a student loan, a salary sacrifice, long service leave) each get their own page, because that's where the standard calculators get it wrong.
Australia calculators (2026–27 financial year)
United Kingdom calculators (2026–27 tax year)
Ireland calculators (2026 tax year)
Frequently asked questions
Which take-home pay calculator should I use?
The one for the country that taxes you — where you're a tax resident and your employer runs payroll. Aftertaxly covers New Zealand (PAYE), Australia, the United Kingdom and Ireland, each with that country's current official rates.
Are these calculators up to date?
Yes. Every rate was checked line by line against the official source — IRD (NZ), the ATO (AU), GOV.UK (UK) and Revenue (IE) — for the 2026–27 tax year (2026 in Ireland). Each country section has a method page listing every parameter, its source and an update log.
Is Aftertaxly free?
Yes — every calculator is free to use with no sign-up. Enter your pay, get your take-home figure and a full breakdown of where the rest went.
Why does take-home pay differ so much between countries?
The systems tax the same salary very differently: Australia has an $18,200 tax-free threshold, the UK a £12,570 personal allowance, Ireland wipes out tax on roughly the first €20,000 with credits, and New Zealand taxes from the first dollar but at lower starting rates. Then each adds its own extras — ACC, Medicare, National Insurance, USC and PRSI.