Free net salary calculator for the US, UK, Germany, India, and Canada. Calculate take-home pay after income tax and social contributions, monthly or annual.
A net salary calculator converts gross salary into take-home pay by applying a country's income tax brackets, standard deduction, and social contributions (like Social Security, National Insurance, or CPP). Select a country, enter your gross pay, and see the exact tax and net amount.
Tax data source: IRS Revenue Procedure 2025-32 (tax year 2026, single filer) — View source
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Salary Calculator
A net salary calculator estimates take-home pay by subtracting income tax and mandatory social contributions from a gross salary. Gross salary is the amount agreed in a job offer or contract before any deductions; net salary (also called take-home pay) is what actually lands in a bank account each payday.
How It Works
Most countries use progressive income tax: income is divided into bands (brackets), and each band is taxed at its own rate. Only the income that falls inside a bracket is taxed at that bracket's rate — not the entire salary. A standard deduction (or personal allowance) is subtracted from gross income first, so a portion of every salary is tax-free.
For example, in the US 2026 brackets, a single filer's first $16,100 is tax-free (standard deduction), the next $12,400 is taxed at 10%, the next tranche at 12%, and so on. This is why the effective (average) tax rate is always lower than the top marginal bracket that applies to the highest portion of income.
Social Contributions
On top of income tax, most countries deduct mandatory social contributions that fund pensions, healthcare, and unemployment insurance — separate from income tax and calculated with their own rates and rules. Many of these contributions are capped: once income exceeds a ceiling, no further contribution is deducted on the excess (e.g., US Social Security stops at $184,500 in 2026).
This is why total deductions do not keep rising at the same pace as income — above the contribution cap, only income tax continues to scale with earnings.
Country Comparison
The same gross salary can produce very different take-home pay depending on the country's tax structure. Countries with higher top marginal rates (like the UK's 45% or Germany's 45%) fund more extensive public services — healthcare, pensions, unemployment support — through payroll deductions, while countries with lower marginal rates often require more out-of-pocket spending on these same services.
Standard deductions and tax-free allowances also vary significantly — the US federal standard deduction and the UK personal allowance both reduce taxable income before brackets apply, but by different amounts, which is why comparing only the top tax rate between two countries can be misleading without also accounting for the deduction and social contribution structure.
Beyond the Numbers
This calculator estimates federal/national income tax and mandatory social contributions only. It does not include state or provincial tax (relevant in the US and Canada), local/municipal tax (common in some European countries), or India's state professional tax — all of which can further reduce take-home pay depending on where you live.
It also doesn't account for pre-tax deductions like employer-sponsored retirement contributions, health insurance premiums, or tax credits for dependents, all of which change your actual taxable income and final take-home amount in ways specific to your personal situation.
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Practical Use Cases
Evaluating a job offer
Comparing take-home pay across offers with different gross salaries or countries.
Relocation planning
Estimating real purchasing power before moving for a job in another country.
Budgeting
Planning monthly expenses based on actual net income rather than gross salary.
Freelance rate setting
Understanding how much of a target net income needs to be billed as gross.
Raise negotiation
Seeing the real take-home impact of a proposed raise after tax brackets.
Net salary is gross salary minus income tax and social contributions. Income tax is calculated on taxable income (gross minus the standard deduction) using progressive brackets, where each portion of income is taxed at the rate for its bracket, not the top rate applied to the whole amount.
Progressive tax systems only apply the highest bracket rate to the portion of income that falls within that bracket. For example, in the US, a $80,000 salary is taxed at 10% on the first portion, 12% on the next, and 22% only on the remainder above roughly $50,400 — so the effective (average) rate is well below 22%.
No. It calculates federal/national income tax and social contributions only. US state tax, Canadian provincial tax, and Indian state professional tax vary significantly by region and are not included — actual take-home pay may be lower once local taxes are added.
US: Social Security (6.2%, capped) and Medicare (1.45%). UK: National Insurance. Germany: pension, health, unemployment, and long-term care insurance. India: Employee Provident Fund (EPF). Canada: CPP and EI.
This calculator provides an estimate using standard deductions and single-filer/individual assumptions. It does not account for additional deductions, credits, marital status, dependents, or benefits-in-kind, which can meaningfully change your actual take-home pay.
European countries typically fund universal healthcare, longer-term unemployment benefits, and stronger pension systems through higher payroll deductions, while the US relies more on employer-provided benefits and private insurance. This means a lower US take-home number isn't necessarily comparable — some of the difference reflects services paid for separately rather than through payroll tax.
No — only federal/national income tax and mandatory social contributions are included. US state tax, Canadian provincial tax, German municipal trade tax, and India's state professional tax are not modeled, since they vary significantly by exact location.