Net Salary Calculator — Accurate Take-Home Pay by Country

When you receive a job offer, the number you see is usually your gross salary—the total amount before any deductions. But what actually lands in your bank account each month is your net salary, also called take-home pay. This is what remains after taxes, social security, and other mandatory deductions are taken out. The gap between gross and net can be surprisingly large—anywhere from 20% to 40% depending on where you work, how much you earn, and your personal situation.

Different countries handle taxes and deductions very differently. Take the United Arab Emirates, for instance—there's no personal income tax at all, so your gross and net pay are almost the same (except for small social security contributions if you're a national). On the other end of the spectrum, places like Germany and Canada have extensive social insurance programs covering health, pensions, and unemployment. These can eat up 30-40% of your paycheck. The United Statesadds another layer of complexity with federal taxes plus state taxes that range from zero to over 13%, meaning your location matters a lot. The United Kingdom combines progressive income tax with National Insurance, while Australiatacks on a Medicare Levy to support public healthcare.

Breaking down net salary involves several moving parts that vary by country. Income taxes usually work on a progressive scale—the more you earn, the higher percentage you pay. Most places give you a tax-free threshold or standard deduction to reduce what's taxable. In the US, that's $15,000 for single filers; in the UK, it's £12,570. Then there are social security contributions that fund pensions, healthcare, unemployment, and disability programs. These are mandatory almost everywhere, but the rates and rules differ wildly. Some countries like Germany cap these contributions at a certain income level, while others apply them to every dollar you earn. And if you're in a federal system like the US or Canada, state or provincial taxes add yet another layer that can significantly impact your bottom line.

Our calculators are built for anyone who needs to understand their real take-home pay. Maybe you're an employee trying to figure out your actual monthly budget. Perhaps you're an expatriate weighing international job offers or planning a move abroad. Job seekers can use these tools to negotiate better packages, and financial planners can help clients make smarter decisions. Whatever your situation, knowing how gross salary translates to net income is crucial for financial planning. We pull our data directly from official government sources and update it each tax year, so you're getting accurate estimates based on the latest tax laws in the United States, United Kingdom, Ireland, United Arab Emirates, Canada, Australia, and Germany.

Disclaimer: Results are estimates only and do not constitute tax, financial, or legal advice. Individual circumstances vary. Please consult a qualified professional for advice specific to your situation.