Gross to Net Salary Calculator
Calculate your take-home pay from gross salary. Enter your tax rate and deductions to see net monthly and annual income. Works for any country.
(your effective rate)
(NI, 401k, superannuation, etc.)
(health insurance, union dues, etc.)
How to use
- Enter your annual gross salary.
- Enter your income tax rate (effective or marginal).
- Enter social security or pension contribution %.
- Add any other deduction percentages.
- See your net take-home instantly.
Related tools:
Your gross salary is what your employer agrees to pay you. Your net (take-home) salary is what actually reaches your bank account after income tax, social security contributions, and other deductions are removed. The gap between gross and net varies widely by country — from around 20% in low-tax jurisdictions to over 40% in high-tax countries with strong social systems.
Unlike country-specific calculators that hardcode local rules, this calculator lets you enter your own rates. Look up your effective tax rate and social security contribution on your payslip or government website. Use your effective tax rate (total tax ÷ gross income) for an accurate result, rather than your marginal rate which only applies to the last dollar earned.
Frequently Asked Questions
What is the difference between marginal and effective tax rate?
The marginal rate is the rate on your last dollar of income — the highest bracket you fall into. The effective rate is total tax divided by total income, which is always lower. Use effective rate here for accurate take-home calculations.
What counts as social security / National Insurance?
UK: National Insurance 8–12%. US: Social Security 6.2% + Medicare 1.45%. Australia: no employee social security deduction — superannuation is employer-paid. Germany: ~20% combined. Check your payslip for the exact figure.
Why no currency symbol?
This calculator works for any currency — enter your salary in USD, GBP, EUR, AUD, or any other currency. The math is identical regardless of currency.
My payslip shows different deductions monthly — what to enter?
Use annual figures where possible. Take your total income tax from last year's return and divide by gross to get effective rate. For variable deductions use your typical month as a base.
Disclaimer: Results are estimates for informational purposes only and do not constitute financial, tax, or investment advice. Figures may vary based on actual terms. Always consult a qualified financial advisor before making financial decisions.