Take-home pay and salary-tax calculator
Find out your net salary after income tax and social contributions. Enter your annual gross salary, pick your country — UK, US or Germany — and see your take-home pay per year, month and week, plus a full breakdown and your effective tax rate. It is built for anyone comparing a job offer, planning a budget, or sanity-checking a payslip across borders.
How it works
The calculator applies a progressive, marginal-band model. First it works out your
tax-free allowance (UK £12,570 with the £1-per-£2 taper above £100,000; US $14,600
standard deduction; German €11,604 Grundfreibetrag). Income tax is charged on
gross − allowance using each country’s bands, where only the income falling inside
a band is taxed at that band’s rate. Social contributions are charged on gross:
UK employee National Insurance (8% between £12,570 and £50,270, then 2%), US FICA
(7.65% to the wage base, 1.45% above) and combined German social insurance (~20.6%
to the ceiling). Net is gross minus both, and the effective rate is
(income tax + social) ÷ gross.
Example
A UK salary of £45,000: allowance £12,570 leaves £32,430 taxable, all in the 20% basic band → income tax £6,486. National Insurance is 8% of (£50,270 − £12,570 capped at salary) = 8% of £32,430 = £2,594.40. Take-home is £45,000 − £6,486 − £2,594.40 = £35,919.60 a year, about £2,993/month, an effective rate of 20.2%.
| Country | Tax-free allowance | First income-tax band | Employee social |
|---|---|---|---|
| UK (2024/25) | £12,570 (tapered >£100k) | 20% | NI 8% then 2% |
| US (single, 2024) | $14,600 | 10% | FICA 7.65% / 1.45% |
| Germany (single, ~2024) | €11,604 | 14% | ~20.6% to ceiling |
Everything is calculated locally in your browser — your salary is never uploaded. Estimates for guidance only, not tax advice.