Your gross salary is never what lands in your bank account. Pick from 17 countries and see exactly what you keep after tax and contributions — accurate, country-specific and private.
Each calculator is built around one country's exact 2026 tax rules — income tax, social contributions, allowances and credits — not a generic estimate.
Choose where you work so the right tax rules and currency apply.
Add details like filing status, region or pension contributions.
Get an instant breakdown of every deduction and your take-home amount.
Brackets and rates come straight from each country's tax authority and are updated when laws change.
Income tax and social contributions are calculated separately, so you see exactly where your money goes.
Calculations run in your browser. Your salary is never uploaded or stored.
Phone, tablet or desktop — the layout adapts so it's easy to use anywhere.
When you accept a job, the figure in your contract is almost always your gross salary — the full amount before anything is taken out. What you can actually spend is your net salary, or take-home pay. The gap is made up of mandatory deductions: income tax, social-security or payroll contributions, and in some countries health, pension or unemployment insurance.
The size of that gap varies enormously from country to country. A worker earning the equivalent of $60,000 keeps a very different amount in Dubai, London, Toronto or Berlin, because each country taxes income in its own way. That is why a single "global" formula gives misleading numbers, and why every calculator here is built around one country's real rules.
Most income-tax systems are progressive: the first slice of income is taxed at a low rate and only the income above each threshold is taxed at higher rates. This is why your effective tax rate is almost always lower than the top bracket you reach. A good calculator shows both. On top of income tax, most countries add separate contributions — Social Security and Medicare in the US, National Insurance in the UK, social insurance in Germany — each handled correctly here for 2026.
Your gross salary is taxed and reduced by mandatory contributions before it reaches you. Typically that means income tax plus social contributions for pensions, health care and unemployment. What is left is your net, or take-home, pay — and the gap can range from almost nothing to over a third of your salary depending on the country.
You can calculate net salary for 17 countries across the Americas (United States, Canada), Europe (UK, Germany, Ireland, Netherlands, Switzerland, France, Spain, Italy, Sweden, Poland) and Asia-Pacific & the Middle East (Australia, New Zealand, India, Singapore, UAE). There is also a universal World calculator for any other country.
First, social contributions are taken from your gross pay. Then your taxable income is worked out (gross minus any tax-free allowance and deductible contributions), and the income-tax brackets are applied, less any tax credits. Whatever remains is your net pay. Each calculator does this with the exact 2026 rules for that country.
Your marginal rate is the tax on your next unit of income — the bracket you have reached. Your effective rate is your total tax and contributions as a share of your whole salary. Because most systems are progressive, your effective rate is almost always lower than your marginal rate, and every calculator here shows both.
Yes. Alongside income tax, each calculator includes the country’s mandatory employee contributions — such as Social Security and Medicare in the US, National Insurance in the UK, and pension, health, care and unemployment insurance in Germany — so the take-home figure reflects everything deducted from your pay.
Yes. The Compare tool puts several countries side by side and shows the percentage of your salary you keep in each, while the World calculator lets you model any country by setting the tax brackets and contributions yourself.
Every calculator uses the official brackets, allowances and contribution rates for the 2026 tax year, and is updated whenever a country changes its tax law — including mid-year reforms.