Net Salary Calculator
Calculate your net income (take-home pay) after taxes and social contributions. Our comprehensive salary calculator helps you understand exactly how much you'll receive after all deductions.
Our salary calculator provides detailed breakdowns of:
- Gross income (before taxes)
- Income tax calculations
- Social security contributions
- Net income (take-home pay)
- Effective tax rates
Available for nine countries — the United States, United Kingdom, Germany, France, Spain, Italy, Poland, Portugal, and Sweden. Select yours to get started with accurate, up-to-date tax calculations for the 2026 tax year.
You can also access our specialized calculators:
What Is Net Salary?
Your net salary — often called take-home pay — is the amount that actually reaches your bank account after mandatory deductions are removed from your gross salary. Gross salary is the headline figure in your employment contract; net salary is what you can budget and spend.
The gap between the two is made up of income tax and social contributions. Income tax is usually progressive, meaning higher portions of your income are taxed at higher rates. Social contributions fund programs such as state pensions, healthcare, and unemployment insurance, and the exact rates depend on where you live.
Because every country calculates these deductions differently, the same gross salary can produce very different take-home pay from one place to the next. IncomeTally supports nine countries — the United States, United Kingdom, Germany, France, Spain, Italy, Poland, Portugal, and Sweden — so choose yours above for a detailed, country-specific breakdown for the 2026 tax year.
What affects your net salary
Two people with the same gross salary can take home very different amounts. The size of the gap between gross and net comes down to a handful of factors, most of which the calculator lets you adjust:
- Income-tax bands — how much of your income falls into each progressive rate, and the tax-free allowance or standard deduction you are entitled to.
- Social or payroll contributions — employee pension, health, and unemployment contributions, which vary widely by country and sometimes stop at an upper ceiling.
- Your household situation — in several countries, joint filing with a spouse, dependent children, or regional and local taxes change the final figure.
- Pre-tax deductions — pension or retirement contributions and similar reliefs that lower your taxable income before income tax is applied.
Adjust these where they are available on each country page to move from a rough estimate toward a figure that reflects your real circumstances.