Salary Calculator
Estimate your net take-home pay from a gross salary
Tell us where you work and what you are paid
Free. No sign-up. The answer updates as you type.
Everything below uses this country's rules for the tax year shown.
$
For the whole year, in $, as on your contract or job offer. Paid by the month? Multiply one month by the number of payments in a year (12, 13 or 14).
Filing alone and filing jointly use different brackets and a different standard deduction. State and city income tax are not included either way.
What you keep in a year, after tax and contributions
$50,390
Worked out under the rules of United States (federal only), tax year 2026.
The numbers behind that
Spread over 12 months
$50,390 divided by 12. If your employer pays you in 13 or 14 instalments a year, each payslip is smaller than this.
$4,199
Share of your pay taken
$9,610 out of $60,000: income tax and compulsory contributions together. The list below shows each one.
16.0%
What a pay rise would leave you
Of a rise of $1,000 a year, you would keep $804, about $67 a month. The other $196 would not reach you.
Everything that came out of your pay
Federal income tax
$5,020
Social Security (6.2% of pay, up to the wage base)
$3,720
Medicare (1.45% of all pay)
$870
Taken altogether
$9,610
How the income tax was worked out, slice by slice
The bands are applied to $43,900, which is your pay after the standard deduction.
| Slice of your taxable money | How much falls in it | Rate | Tax on that slice |
|---|---|---|---|
| $0 to $12,400 | $12,400 | 10% | $1,240 |
| $12,400 to $43,900 | $31,500 | 12% | $3,780 |
What this figure leaves out for United States (federal only)
This is federal tax only. State and city income tax are not included. If your state or city charges one, you keep less than this.
What a bigger or smaller salary would leave you
Same country, same settings. Only the salary changes. Your own figure is the highlighted row.
| Pay before deductions | What you keep in a year | A month | Kept out of the step up |
|---|---|---|---|
| $48,000 | $40,748 | $3,396 | first row |
| $54,000 | $45,569 | $3,797 | 80.4% |
| $60,000yours | $50,390 | $4,199 | 80.4% |
| $66,000 | $55,211 | $4,601 | 80.4% |
| $72,000 | $59,482 | $4,957 | 71.2% |
Read the last column as the real value of a rise. If it says 60%, then out of every extra 100 your employer agrees to pay you, 60 reaches you and 40 goes in tax and contributions.
This calculator estimates your net take-home pay from a gross annual salary by subtracting the main income tax and compulsory employee social contributions in five countries. Each country has its own progressive income tax and its own set of social charges, so the same gross salary produces a very different net depending on where you work.
Step 1: Select your country. The right tax rules and any extra inputs appear automatically.
Step 2: Enter your gross annual salary, the figure before any deductions.
Step 3: Answer the extra question if one appears: how you file in the United States, whether you have children in Germany.
Step 4: Read the answer underneath. It updates as you type, so there is nothing to press. Below it you get every deduction listed, the tax slice by slice, and what nearby salaries would leave you.
Gross vs Net Salary: What You Actually Take Home
Your gross salary is the headline number in a job offer or contract, the total before anything is taken out. Your net salary, or take-home pay, is what actually lands in your account after compulsory deductions. The two are often separated by a wide margin, because employees pay both income tax and a set of social contributions that fund pensions, healthcare, unemployment cover and similar programmes.
Understanding the gap matters for real-life decisions: comparing two job offers, negotiating pay, budgeting, or working out your savings rate. A higher gross salary in a high-tax country can leave you with less take-home pay than a lower gross elsewhere, which is exactly why this calculator is built around a country selector.
How Take-Home Pay Is Calculated
In every country the method is broadly the same: start from gross pay, subtract compulsory social contributions, apply a progressive income tax to the taxable portion, and what remains is your net. The details differ sharply, and the order matters more than most people expect. The United States applies a standard deduction and federal brackets plus Social Security and Medicare, but leaves state tax to each state. The United Kingdom gives a tax-free personal allowance, withdraws it again above 100,000, and then charges income tax and National Insurance. Italy levies INPS contributions and IRPEF, softened by an employment tax credit that comes off the tax rather than off the income. France taxes salary only after the deductible part of the social contributions has been removed, and then applies a 10% work-expenses deduction with a floor and a ceiling. Germany feeds taxable income into a formula rather than a table of bands, after deducting pension, health and care contributions, and adds a solidarity surcharge that phases in gradually above a free limit.
Why Net Pay Is the Number That Matters
Net pay is the foundation of every personal-finance plan. It determines how much you can spend, save and invest, and it is the right starting point for budgeting frameworks and for setting a savings rate. When you know your true take-home pay, you can size an emergency fund, decide how much to invest each month, and judge whether a pay rise actually improves your position once higher tax bands are taken into account. Looking only at gross pay consistently overstates what you have to work with.
Related Calculators
Once you know your net pay, put it to work. Use the emergency fund calculator to size your safety net from your real expenses, and the compound interest calculator to see how investing a portion of your take-home pay grows over time.
Frequently Asked Questions
Gross salary is your total pay before any deductions. Net salary, your take-home pay, is what actually reaches your bank account after income tax and compulsory social contributions (such as social security, national insurance, pension and health contributions) are withheld. The gap between the two is often substantial, which is why looking only at the headline gross figure can be misleading when comparing jobs or planning a budget.
Payroll tax is personal and it changes every year. This tool uses published rates for the tax year named next to each country and the most common employee situation, and it leaves several things out: regional and local taxes, most tax credits, your family situation, pension and benefit choices, and country-specific rules such as the Italian credits for a dependent husband or wife. The note under each result says what was left out for the country you picked. Treat the figure as a realistic estimate rather than a payslip, and confirm it with an official calculator or your employer.
No. The US figure is federal only and leaves out state and local income tax. The UK figure is for England and Wales (Scotland has different bands). Italian regional and municipal surcharges, French high-income surcharges and German church tax are not included. Where you live within a country can change your take-home pay, so use the result as a baseline.
Almost never from the tax bands themselves. Bands are marginal: a higher rate applies only to the slice of money above the threshold, never to everything you earn, so crossing into a higher band still leaves you better off. What can bite are cliff edges, where a credit or an allowance switches off at an exact figure. The table of nearby salaries on this page shows how much of each extra step you actually keep, so you can see for yourself whether a rise is worth what it looks like.
Turn Take-Home Pay into Net Worth
Knowing your net pay is the first step. Worthmap helps you track what you do with it, savings, investments and net worth, across currencies, in one place.
Create free accountBuilt & maintained by Worthmap · Last updated October 26, 2026
Educational use only. This tool provides estimates for informational purposes and does not constitute financial, investment, tax, or legal advice. Results are based on inputs you provide and mathematical models, they do not guarantee future performance. Always consult a qualified financial adviser before making investment decisions.