Start with the pay you can spend.

United Kingdom

England, Wales, Northern Ireland and Scotland are reviewed separately.

Employee estimates are limited to reviewed cases for 2026/27. Check the coverage page for the nations and cases currently available.

Pay and deductions

The estimate covers annual Income Tax liability and employee National Insurance for 12 equal monthly payments. PAYE withholding can differ because of tax codes, earlier pay, benefits and the timing of payments. Scotland has its own bands for employment income.

Your home

Council Tax in England, Wales and Scotland depends on the property and local council bill, including any discounts or exemptions. Northern Ireland uses domestic rates. A city name is not enough to calculate either charge.

Purchases and moving costs

England and Northern Ireland use Stamp Duty Land Tax; Scotland uses Land and Buildings Transaction Tax and Wales uses Land Transaction Tax. Purchase price, buyer circumstances and property details matter. UK shop prices already include any VAT due. Keep VAT inside the amount you actually pay.

United States

Federal, state and local rules need separate checks. No state is claimed as supported.

Data is not available for a complete LivingCost employee calculation. Enter your take-home pay in a budget or offer comparison.

Pay and deductions

Federal income tax withholding is paid during the year and reconciled with the tax return. Employee Social Security and Medicare deductions are separate. State and local rules can add further requirements. A federal-only calculation would not establish your full take-home pay.

Your home

Use the state or local revenue office for the actual property assessment, local charges and eligibility rules. The directory of state tax offices is a starting point; LivingCost has no verified property-tax estimate for a home.

Purchases and moving costs

Check the state and local tax office for sales, use and property transfer taxes. Enter the final tax-inclusive purchase cost in your spending plan. A city-level household benchmark does not establish the tax on a particular purchase.

Canada

Federal and provincial or territorial rules apply. Quebec requires its own payroll checks.

Data is not available for a complete LivingCost employee calculation. Use your actual net pay or an official calculation that fits your province and circumstances.

Pay and deductions

Payroll deductions include income tax, pension-plan contributions and Employment Insurance where applicable. Quebec has separate provincial deductions and contribution rules. The province of employment used for payroll withholding may differ from the province of residence relevant to the tax return.

Your home

Ask the municipality and assessment authority for the property-specific bill, valuation and exemptions. LivingCost has no reviewed property-tax calculation from a city alone.

Purchases and moving costs

GST/HST treatment depends on the place of supply and the goods or services. Provincial sales taxes and property purchase charges need their own checks. Put the total you will pay into your budget rather than adding a second tax charge to an already tax-inclusive amount.

Australia

Income-tax residence and household circumstances matter; property duties differ by state and territory.

Data is not available for a complete LivingCost employee calculation. The official information remains useful, but income-tax bands alone do not establish take-home pay.

Pay and deductions

Australian income tax depends on taxable income and residence. Medicare levy reductions, exemptions and any Medicare levy surcharge need separate consideration. Deductions, offsets, study-loan repayments and other personal circumstances can change the result.

Your home

Property costs may include state land taxes and local council rates. Check the actual property, ownership and eligibility with the responsible authority. These charges are not calculated here from a city name.

Purchases and moving costs

Transfer duty is a state or territory charge. The NSW guidance explains its own property-value and buyer rules and links to the responsible authority for other jurisdictions. Use a property-specific estimate and enter it once as a moving or purchase cost.

European Union

Every member country has its own income-tax rules; regional and local obligations may also apply.

Data is not available for a complete LivingCost employee calculation in any EU member country. There is no single EU income-tax formula.

Pay and deductions

Start with the tax authority for your country of residence and the country where you work. Cross-border moves may require both authorities and a tax treaty review. The official country selector links to national rules. Social insurance and employee contributions must also be checked for the actual employment arrangement.

Your home

Use the local tax office for property, local and transfer taxes. An address, property valuation and ownership circumstances may be needed; a city-level cost figure is not a property bill.

Purchases and moving costs

VAT rules depend on the purchase and where it takes place or is supplied. Cross-border shopping, electronic services and vehicles can have different treatment. Enter the final purchase price once in your plan.

Keep each tax in the right place.

Use take-home pay as income in your household budget. Do not subtract Income Tax or employee contributions again. Add a property or council charge only if you pay it separately. Use the total price of a purchase, including any tax already charged.

Withholding is money collected during the year. Final liability is the tax due after the year's income, allowances and adjustments are assessed. A monthly average of annual liability may differ from your payslip.