Tax Atlas
Effective date: 2026-05-27  ·  Last updated: 2026-05-27

Tax Estimate Disclaimer

What Tax Atlas estimates are, what they are not, and when to call a professional.

Tax Atlas provides estimates for planning and comparison. It is not professional tax advice and cannot replace a qualified tax professional for your actual filing or any financial decision that depends on precise tax figures.

1. What Tax Atlas estimates are

Tax Atlas calculates your estimated income tax by applying official, published government brackets and rates to the gross income you enter. The engine is deterministic: the same input always produces the same output. Bracket thresholds, personal allowances, tax-free thresholds, rebates, surcharges, levies, and other standard items are sourced directly from official tax authority publications — the IRS, HMRC, India's Income Tax Department, the CRA, the ATO, and their equivalents.

Each country calculator is reviewed by a credentialed tax professional in that jurisdiction (a CPA, Chartered Accountant, Enrolled Agent, or equivalent) before publication. The reviewer's name, credential, and review date appear at the bottom of each country page once review is complete.

Tax Atlas estimates are useful for:

  • Understanding your approximate take-home pay and tax burden
  • Comparing tax across countries for relocation or career planning
  • Quickly sanity-checking a payslip or offer letter
  • Planning ahead for a salary increase, bonus, or equity vest
  • Understanding how progressive brackets work in practice

2. What Tax Atlas estimates are not

Tax Atlas estimates are not:

  • Personalised tax advice. A calculator cannot know your deductions, credits, prior-year losses, family situation, or other personal circumstances that affect your actual bill.
  • A substitute for filing with the relevant tax authority. You still need to file a tax return (where required) using the official process for your jurisdiction.
  • A guarantee of accuracy for your specific situation. Standard deductions and allowances are modelled; anything specific to your circumstances is not.
  • A replacement for a CPA, CA, CTA, or chartered accountant for filing, planning, or any decision with real financial consequences.
  • Legal advice. Nothing on Tax Atlas constitutes legal advice of any kind.

3. Common reasons your actual tax may differ

Even a well-built calculator will not match your tax return in many real-world situations. Common reasons your actual liability may be different:

  • You itemize deductions rather than taking the standard deduction
  • You have capital gains, dividends, or rental income
  • You are self-employed or have business income
  • You have credits specific to your situation (child tax credit, education credits, etc.)
  • You contribute to a tax-advantaged account (401(k), RRSP, ISA, superannuation, etc.)
  • You are subject to surcharges or levies not included in v1 (e.g. India surcharge above ₹50L, US AMT)
  • You are subject to state, provincial, or regional income taxes not modelled here
  • Your filing status has edge cases not captured by the standard calculation
  • Tax law changed after this page's last-updated date

4. Country-specific limitations

Each calculator covers standard employment income for a single resident individual. The following items are explicitly out of scope in the current version. This section is auto-generated from the same data that powers the Methodology page and updates automatically when new countries are added.

🇺🇸 United States

2026

Not included in this calculator

  • State and local income taxes
  • FICA / payroll taxes (Social Security and Medicare)
  • Alternative Minimum Tax (AMT)
  • Self-employment tax (Schedule SE)
  • Capital gains and qualified dividends (Schedule D)
  • Itemized deductions (Schedule A)
  • Tax credits (child tax credit, EITC, education credits, etc.)
  • Pass-through and partnership income (Schedule K-1)

🇬🇧 United Kingdom

2026/27

Not included in this calculator

  • Scotland-specific income tax bands (Scottish Rate of Income Tax — SRIT)
  • Welsh Income Tax (Welsh Rate of Income Tax — WRIT)
  • Student Loan repayments (Plan 1, Plan 2, Plan 5, Postgraduate Loan)
  • Self-employed Class 4 National Insurance contributions
  • Capital gains tax
  • Pension contributions (tax relief, annual allowance, lifetime allowance)
  • Marriage Allowance, Blind Person's Allowance, and other allowances beyond the personal allowance
  • Dividend income

🇮🇳 India

FY 2026-27

Not included in this calculator

  • Old tax regime (80C, 80D, HRA, LTA, and other deductions)
  • Surcharge for income above ₹50,00,000
  • Capital gains (Section 112A, 111A, and others)
  • Rental income and business income
  • AMT for non-salaried taxpayers (115JC)
  • State and local taxes (professional tax varies by state)
  • Dividend income
  • Advance tax interest and penalties

🇨🇦 Canada

2026

Not included in this calculator

  • Provinces other than Ontario (Quebec, BC, Alberta, Manitoba, etc.)
  • Quebec Parental Insurance Plan (QPIP) — applies to Quebec residents only
  • RRSP/TFSA contribution room and related deductions
  • Capital gains tax (eligible and non-eligible)
  • Self-employment income and related deductions (T2125)
  • Non-refundable and refundable federal credits beyond the Basic Personal Amount
  • Canada Child Benefit (CCB) and other family credits
  • Dividend tax credit (eligible and non-eligible dividends)

🇦🇺 Australia

2026-27

Not included in this calculator

  • Non-resident tax rates (different brackets apply)
  • Working Holiday Maker (WHM) rates (15% flat)
  • Seniors and Pensioners Tax Offset (SAPTO)
  • Low Income Superannuation Tax Offset (LISTO)
  • Division 293 tax (additional 15% on superannuation for high earners)
  • Capital gains tax (including CGT discount for assets held > 12 months)
  • Negative gearing and rental property deductions
  • Franking credits (dividend imputation system)
  • Medicare Levy reduction or exemption for low-income thresholds beyond singles

🇳🇿 New Zealand

2026-27

Not included in this calculator

  • Working for Families Tax Credits (eligibility reduces/eliminates IETC)
  • Rental income and business income (schedular payments)
  • PIE income (Portfolio Investment Entity — taxed at Prescribed Investor Rate)
  • Capital gains (NZ has no general capital gains tax, but bright-line rules apply to property)
  • NZ Superannuation and Veteran's Pension (IETC not available)
  • Non-resident withholding tax (NRWT) for non-residents
  • Fringe benefit tax (FBT) — employer obligation, not employee
  • Secondary tax codes (for those with more than one source of employment income)
  • Provisional tax for self-employed and those with significant non-PAYE income
  • KiwiSaver employer contributions (3.5% — separate from employee deduction, doesn't reduce take-home)

🇮🇪 Ireland

2026

Not included in this calculator

  • Self-employed income (Earned Income Credit, Form 11)
  • USC self-employed surcharge (3% on income above €100,000)
  • Rental income (Case V) and investment income
  • Capital gains tax (CGT) at 33%
  • Dividend withholding tax (DWT)
  • Home Carer Tax Credit (complex eligibility)
  • Medical expenses relief (Form Med 1)
  • Pension contributions and Approved Retirement Fund (ARF) rules
  • PRSI sliding scale credit for €352–€424/week earnings band
  • Reduced USC rate for over-70s and medical card holders
  • My Future Fund (auto-enrolment pension) contributions — not yet active in 2026
  • Non-resident taxation

🇸🇬 Singapore

2026

Not included in this calculator

  • Working Mother's Child Relief (WMCR) and Qualifying Child Relief
  • Parent / Handicapped Parent Relief
  • NSman (National Service) Relief
  • Supplementary Retirement Scheme (SRS) contributions relief
  • Course Fees Relief
  • Foreign Maid Levy Relief
  • Spouse / Handicapped Spouse Relief
  • Grandparent Caregiver Relief
  • Disability Earned Income Relief enhanced amounts
  • Additional Wage CPF ceiling (bonus cap complexity)
  • Director's fees, rental income, and other non-employment non-resident income (24% flat)
  • Short-term employment ≤60 days exemption for non-residents
  • Capital gains tax (Singapore does not generally tax capital gains)
  • Equity compensation (RSU, ESOP, ESPP) vesting and gain calculations

🇿🇦 South Africa

2026/27

Not included in this calculator

  • Additional Medical Expenses Tax Credit (AMTC) for out-of-pocket medical costs
  • Carry-forward of excess retirement fund contributions
  • Foreign tax credits (Section 6quat)
  • Travel allowance deduction / deemed private use calculation
  • Home office deduction
  • Donation deductions (Section 18A)
  • Provisional tax calculations
  • Skills Development Levy (employer-only, 1% of payroll)
  • Capital Gains Tax (CGT)
  • Section 7C deemed interest on low-interest loans to trusts
  • Foreign employment income and expatriate exemptions
  • Fringe benefits (company car, housing allowance, etc.)
  • Equity compensation (RSU, ESOP, share options)

5. When to consult a professional

A qualified tax professional is worth consulting whenever the stakes are real. In particular, we recommend speaking to a CPA, CA, CTA, Enrolled Agent, or registered tax adviser if any of the following apply to you:

  • You earn across multiple jurisdictions. Cross-border income, tax treaties, foreign tax credits, and residency rules are complex and highly individual.
  • You have business income, investments, or rental property. Self-employment tax, capital gains treatment, and deductible expenses require a full picture that a calculator cannot provide.
  • You are near a phase-out threshold. Marginal relief cliffs (India's Section 87A), taper zones (UK £100k–£125,140 personal allowance), province-specific breaks (Canada BPA), and MLS tiers (Australia $93k, $108k, $144k) can each create situations where earning slightly more results in significantly different after-tax outcomes — careful planning matters.
  • You are making a major financial decision. Evaluating a job offer, planning a move, receiving a large bonus, or vesting equity all benefit from accurate, personalised tax modelling before you commit.
  • You are behind on filings or facing an audit. Self-help calculators are not an appropriate tool for resolving tax authority issues.

For a straightforward estimate of take-home pay or a high-level planning comparison, Tax Atlas is built for exactly that. For anything consequential, supplement it with professional advice.

6. Reporting errors

If you believe a Tax Atlas calculation is wrong — including if you have verified the correct figure against an official government source or your own tax return — please report it. Every report is reviewed by a human.

Email: hello@taxatlas.app

Include in your report:

  • Country and tax year
  • Gross income entered
  • Filing status selected (if applicable)
  • What the calculator showed
  • What you believe the correct figure to be — and why (source link helps)

Response SLA: acknowledgment within 1 business day; fix or explanation within 5 business days if the report is validated.