Gross to net salary calculator
Convert gross salary to estimated net pay using configurable progressive tax brackets and social-security-style contributions. The default setup mirrors a simplified international model — not any single country’s exact payroll — so you can plug in rates from your jurisdiction or rough-plan take-home pay across bracket changes. Enter annual or monthly gross, deductions, and see tax breakdown by band.
Gross monthly
Tax / deductions (%)
Simplified estimate — not a payroll calculator.
Result
Deductions: 1600
Net monthly: 6400
Net yearly: 76800
How to calculate net salary
1. Enter gross salary (annual or monthly) and pay frequency.
2. Set tax brackets (percent and thresholds) or use the simplified defaults.
3. Add social contribution rates and optional fixed deductions (pension, health).
4. Read net pay, total tax, and effective tax rate — adjust brackets to match your country’s rules.
Salary calculation examples
€48,000 gross annual, simplified brackets
Example bands: 0% to €12,000, 20% to €35,000, 30% above. Tax ≈ €5,100; with 10% social contributions (€4,800) → net ≈ €38,100/year (≈ €3,175/month).
Monthly gross €5,000
Annualized €60,000 hits higher brackets. Progressive tax ≈ €7,500/year in the example bands; effective rate ~12.5% vs marginal 30% on top slice — marginal ≠ average.
Comparing job offers
Offer A: €52k gross with 8% employee pension. Offer B: €50k with 4% pension. Net difference depends on whether contributions are pre-tax — run both here with your local rates.
When to use this tool
• When you estimate take-home after a raise or job offer negotiation.
• When you teach or learn how progressive tax brackets stack (marginal vs effective).
• When you prototype payroll with custom bracket tables before building a spreadsheet.
When to choose something else
• When you need country-exact payroll (US FICA, UK NI, DE Lohnsteuer) — use official calculators.
• When filing taxes — this is estimation, not a tax return.
• When benefits-in-kind, stock, or contractor status affect classification.
How progressive brackets work
Each bracket taxes only the income slice within its range — not your whole salary at the top rate. Example: 0% on first €10k, 20% on €10k–€30k, 30% above. At €40k gross, tax = 0 + 20%×€20k + 30%×€10k = €7k. Misunderstanding this leads people to fear raises that “push them into a new bracket” and somehow reduce net pay — marginal brackets do not work that way.
Limitations of generic payroll math
Real payslips include cumulative YTD thresholds, church tax, local surcharges, student loan offsets, and caps on social insurance bases. Contractor vs employee status changes everything. Use this calculator for ballpark planning and education; verify with employer HR or government simulators before budgeting major expenses.
Frequently asked questions
What is the difference between marginal and effective tax rate?
Marginal: tax on the next euro earned (top bracket). Effective: total tax ÷ gross income. A €50k earner might have 30% marginal but ~15% effective.
Are social contributions the same as tax?
No. They fund pensions, health, unemployment — often split employer/employee. This tool models employee-side percentages you configure.
Can I match my country?
Yes — replace default brackets and rates with your national tables. The math is generic progressive summation.
Monthly vs annual input?
Either works; we normalize to the same annual logic then display per your chosen pay period.
Does it handle tax-free allowances?
Set the first bracket to 0% up to your allowance threshold (e.g. personal exemption amount).
Is my data sent to a server?
No. Salary figures stay local.
Is this tool free?
Yes.