Take-Home Pay Abroad

How this calculator works

Your take-home pay as a U.S. expat is the result of three tax layers: (1) the foreign country’s income tax, (2) the U.S. federal income tax, reduced by either FEIE or FTC, and (3) the U.S. standard deduction. The calculator runs all three in sequence:

• Foreign tax = country effective rate × gross salary
• U.S. taxable income (FEIE) = gross salary − FEIE exclusion (up to $132,900 for 2026) − standard deduction
• U.S. taxable income (no FEIE) = gross salary − standard deduction; U.S. tax then reduced by Foreign Tax Credit (foreign tax paid, capped at U.S. tax on foreign income)
• Net pay = gross − foreign tax − U.S. tax

What this calculator does NOT include

• Foreign Housing Exclusion / Deduction — can shelter another $20K–$60K+ in high-cost cities (London, Singapore, Tokyo)
• State income tax — California, Virginia, New Mexico, and a few others still tax expats with prior state ties
• Self-employment tax — FEIE does NOT reduce the 15.3% SE tax. Use our SE Tax Abroad calculator if you’re self-employed.
• Tax treaty positions — many treaties allow elections that change the standard FEIE/FTC outcome
• Investment income, AMT, NIIT (3.8% on investment income over thresholds), Additional Medicare Tax (0.9% on earned income over $200K single/$250K MFJ)
• Foreign provincial / state / regional tax — Canadian provincial tax, Spanish autonomous community tax, German solidarity surcharge are included only roughly in the effective rate

Country effective rates used

The simplified effective rates the calculator uses (as a percentage of gross salary at $100K-equivalent income, single filer):

• Qatar & UAE: 0% — no personal income tax
• Singapore: ~12% — progressive, but rates stay low until S$320K+
• Thailand: ~22% — progressive 5%–35%
• India: ~25% — new regime, includes 4% health/education cess
• Philippines: ~28% — progressive 15%–35%
• UK: ~28% — basic + higher rate mix; excludes NIC employee portion
• Australia, Mexico, France: ~30%
• Canada (Ontario): ~30% — federal + provincial
• China, Spain, Israel: ~32%
• Germany: ~32% — includes 5.5% solidarity surcharge on income tax
• Japan, South Korea: ~33% — including local inhabitant tax

These are simplifications. Real expat tax in each country depends on residence status, treaty positions, allowances, and household composition. Use the output as a planning number, not a filing number.

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