The Salary Calculator
Turn a gross salary into take-home pay: the social contributions and the income tax come off line by line, so you can see where every part of the money went.
Country and salary
Pension and student loan
Everything is worked out in your browser. No figure is sent anywhere.
Take-home pay by country
How to work out take-home pay
- Choose your country and say whether the amount you are typing is a year, a month, a week or an hour.
- Enter the gross amount, and any option your country needs.
- Add a pension contribution or a student loan plan if you have one, and watch what each is costing you.
- Read the take-home pay and the line by line breakdown of what came off.
Frequently asked questions
What is taken off the gross salary?
The employee's social contributions and the income tax on what is left, using the rules of the country you pick: National Insurance in the UK, Social Security and Medicare in the US, the four social insurances in Germany, the pension and CSG contributions in France, Seguridad Social in Spain, and in the Netherlands the box 1 rate that already contains the national insurance premiums.
Why is my payslip different?
Because a payslip knows things this calculator cannot: your tax code, pension contributions, student loan, benefits in kind, local or regional taxes, and any allowance personal to you. This is the ordinary case, worked out from the statutory rules.
Is the employer's cost included?
No. Only what the employee loses is shown. Employer contributions sit on top of the gross salary and never appear on your pay.
Which tax year is this?
Tax year 2026, last checked on 2 September 2026. Both are printed under every result, next to a link to the official source for each country.
Is this tax advice?
No. It is an estimate. FinKit gives no tax, legal or financial advice, and nothing you type is uploaded anywhere.
How does a pension contribution change my take-home pay?
By less than the contribution itself, because the money is taken before tax. Put 5 percent into a pension and the pay in your bank goes down by rather less than 5 percent, since the tax you would have paid on that 5 percent stays in the pension instead of going to the tax office. The calculator shows the contribution as its own line so you can see both figures at once.
What is the difference between salary sacrifice and a contribution before tax?
Salary sacrifice gives up part of the salary itself, so the contribution escapes income tax and the social contributions and, in the United Kingdom, the student loan repayment as well. A contribution taken before income tax only escapes the tax but not the contributions. Sacrifice is worth more, and both are offered here because employers use both.
How is the student loan repayment worked out?
As a percentage of everything earned above the plan's threshold: 9 percent for Plans 1, 2, 4 and 5 and 6 percent for a Postgraduate Loan. It is not interest and it is not a tax; it is a repayment, and it stops when the loan is cleared or written off. Only the United Kingdom has this, so the option appears only when the United Kingdom is chosen.
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