Know exactly what you'll
take home.
Accurate tax, mortgage, and loan calculators for the US, UK, Australia, and Canada — with results explained in plain English.
United States
Income Tax
Calculate your federal income tax, see your effective tax rate, and understand your tax bracket for the 2026 tax year.
Mortgage
Calculate your monthly mortgage payment including principal, interest, taxes, and insurance. See a full amortization schedule.
Auto Loan
Calculate your monthly car payment, total interest paid, and compare different loan terms and interest rates.
United Kingdom
VAT
Add or remove VAT at the standard 20% rate or custom rates. Calculate net, VAT amount, and gross totals instantly with our uk vat calculator.
Stamp Duty
Calculate Stamp Duty Land Tax (SDLT) on property purchases in England. First-time buyer relief and buy to let stamp duty calculator rates included.
Income Tax & NI
Calculate your UK income tax and National Insurance contributions. See your take-home pay under the new national insurance rules.
Australia
Income Tax
Calculate your income tax calculator australia liability, including Medicare Levy, offsets, and tax brackets.
GST
Add or remove 10% GST on goods and services in Australia with this gst calculator. Calculate inclusive and exclusive prices instantly.
Superannuation
Project your superannuation balance at retirement using this superannuation calculator. Factor in contributions, employer SG, salary sacrifice, and returns.
Canada
Income Tax
Calculate your Canadian federal and provincial income tax, CPP, and EI premiums. Get accurate estimates for income tax calculator canada and income tax calculator ontario.
GST/HST
Calculate GST, HST, or PST for any Canadian province with this hst calculator. Add or remove tax instantly.
Mortgage
Calculate Canadian mortgage payments with CMHC insurance, amortization schedules, and stress test qualification using this mortgage calculator canada.
Not just numbers — understanding.
Plain English Results
Every calculation comes with a clear explanation. "You'll take home $4,832 per month after $1,168 in taxes."
4 Countries, 1 Platform
Accurate calculators for the US, UK, Australia, and Canada — each tailored to local tax rules and regulations.
Instant & Free
No sign-ups, no waiting. Enter your numbers and get accurate results in milliseconds. Always free, always private.
The Ultimate Multi-Country Tax Calculator & Financial Toolkit
Welcome to The Pay Checker, a comprehensive, multi-country tax calculator platform designed to help you navigate complex personal finance and tax regulations across the globe. Whether you need an income tax calculator to determine your salary deductions, a sales tax calculator to compute retail purchases, or a capital gains tax calculator to figure out investment returns, we provide accurate, instant results. Our suite of calculators spans the United States, United Kingdom, Australia, and Canada, ensuring you always know exactly what you will take home.
United States: Accurate Salary & Loan Projections
For workers and homebuyers in the US, understanding your paycheck is crucial. Use our take home pay calculator and paycheck tax calculator to see a full breakdown of your earnings. By using our federal income tax calculator, you can estimate your exact tax bracket and effective tax rate for the current filing year. If you are looking to purchase a home or a car, our mortgage calculator (including a mortgage payment calculator) and auto loan calculator provide a complete picture of your monthly obligations, interest rates, and amortization schedules. You can also estimate sales taxes in different states with our sales tax calculator or evaluate investment tax liabilities using the capital gains tax calculator. For students, our student loan calculator makes it easy to compare repayment plans and payoff timelines.
United Kingdom: VAT, Income Tax & Stamp Duty
Navigating the UK tax system is simplified with our tailored UK tools. Businesses and consumers can utilize our vat calculator, vat calculator uk, and uk vat calculator to quickly add or remove value-added tax. Our online vat calculator (also referred to as vat calculator online or uk vat calculator) delivers instant gross, net, and tax amount breakdowns. For salary planning, use our income tax calculator uk, uk income tax calculator, or the combined tax and national insurance calculator (also known as the tax national insurance calculator or national insurance calculator uk). These tools incorporate the new national insurance calculator rules to calculate your take-home pay.
Additionally, if you are purchasing a home in England or Northern Ireland, our stamp duty calculator (including the stamp duty calculator uk, uk stamp duty calculator, and stamp duty calculator england) helps you estimate your Stamp Duty Land Tax (SDLT). The calculator includes specific rates for first-time buyers and the buy to let stamp duty calculator surcharge for investment properties. Finally, plan your estate tax obligations using our inheritance tax calculator to determine inheritance tax uk liabilities and nil-rate bands.
Australia: Income Tax, GST, Stamp Duty & Superannuation
If you are located in Australia, our income tax calculator australia helps you estimate your personal tax liability including the Medicare levy. Businesses can easily calculate goods and services tax with our gst calculator (also known as the gst calculator australia or gst australia). For home buyers, our stamp duty calculators are tailored to state-specific rules. Easily calculate property transfer fees with the stamp duty calculator nsw (for stamp duty nsw), stamp duty calculator qld (for stamp duty qld), and stamp duty calculator vic (for Victoria property transfers). The calculator factors in first-home buyer concessions, owner-occupier rates, and investment surcharges. Additionally, prepare for retirement by projecting your savings with the superannuation calculator, and manage your student loans using our hecs help repayment and hecs help calculator.
Canada: Income Tax, Sales Tax, RRSP & Mortgages
For Canadian users, we offer a dedicated suite of tools to manage your finances. Determine your take-home pay using the income tax calculator canada (also referred to as the canada income tax calculator or income tax calculator ontario for Ontario residents). Our hst calculator makes it easy to compute GST, HST, or PST across all provinces. Home buyers can calculate their monthly payments, CMHC insurance premiums, and stress-test requirements with our mortgage calculator and mortgage calculator canada. Finally, optimize your retirement planning and calculate tax refunds on contributions using our rrsp calculator to maximize your contribution room.