🇮🇳India

🇺🇸United States

🇬🇧United Kingdom

🇦🇺Australia

Salary Details

Gross Annual CTC

₹

Tax Regime

Basic Salary (% of CTC)

EPF Contribution

EPF ≈ ₹0/year

New Regime — Allowed Deductions

Employer NPS — 80CCD(2)

Deductible in new regime — no cap under 80CCD(2)

Gross Annual Salary

Pay Frequency

Federal Filing Status (W-4)

State

Custom State Tax Rate (%)

Pre-Tax Deductions (reduce federal & state taxable income)

Traditional 401(k) / 403(b)

Pre-tax · limit $23,500 · reduces federal tax

HSA Contribution

HSA Custom Amount (Annual)

FSA — Healthcare

Pre-tax · 2026 max $3,300

Medical / Dental / Vision Premium

Employee-paid portion only (pre-tax via employer plan)

Dependent Care FSA

Pre-tax · max $5,000 for MFJ

Traditional IRA (if deductible)

Deductible if no workplace plan or income below limit

Post-Tax Deductions (do not reduce taxable income)

Roth 401(k) Contribution

After-tax · grows tax-free · combined 401k limit $23,500

Other Post-Tax Deductions

W-4 Adjustments

Additional Federal Withholding

Extra withholding per pay period × pay periods

Dependent Tax Credits

Child Tax Credit (W-4 Step 3) — reduces tax owed

Gross Annual Salary

Pay Frequency

Tax Nation

Scotland uses different income tax bands — NI is the same

Pension

Pension Contribution

Custom Pension %

Pension Type

Salary Sacrifice is most tax-efficient — reduces NI too

Student & Postgraduate Loans

Student Loan Plan

Postgraduate Loan

Allowances & Adjustments

Marriage Allowance

Lower earner transfers 10% of Personal Allowance — worth £252 tax credit

Blind Person's Allowance

No National Insurance

Salary Sacrifice Benefits (save Tax + NI)

Childcare Vouchers (Annual)

Basic rate taxpayer max £2,916/yr · higher rate max £1,557/yr

Cycle to Work Scheme (Annual)

No cap — reduces gross for tax & NI purposes

Other Salary Sacrifice

Gross Annual Salary

Pay Frequency

Residency / Tax Status

Tax-Free Threshold

Only claim TFT from your primary employer

Tax Offsets

Seniors & Pensioners (SAPTO)

For those of pension age receiving Australian Government pension/allowance

Medicare

Private Hospital Cover

Adequate private hospital cover exempts you from the MLS

Medicare Levy Exemption

Superannuation

Employer SGC Rate

Paid on top of your salary — not deducted from take-home

Custom SGC Rate (%)

Salary Sacrifice to Super (Annual)

Reduces taxable income · concessional cap: $30,000/yr (incl. employer SGC)

Study & Training Loans

HECS / HELP / VSL / SSL Debt

Minimum repayment threshold ~$54,435. Repayment rate 1–10% of income.

Deductions & Salary Packaging

Work-Related Deductions (Annual)

Reduces taxable income — keep receipts for tax return

Salary Packaging — FBT-Exempt (Annual)

Reduces taxable income for eligible not-for-profit employers

Meal Entertainment Card

Additional FBT-exempt benefit for PBI/health employers

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Your Take-Home Pay

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