Take-Home Pay Calculator — Net Salary After Tax
Work out your take-home pay after income tax and social contributions in the US, UK, Germany, Portugal and Spain. See every deduction, monthly and yearly. Free, instant, private.
Portugal and Spain often pay 14 salaries a year; the tax is the same either way.
Estimate using 2026 rules for a single person with no dependants. Federal income tax and FICA with the standard deduction. State and local income taxes are not included.
Take-home pay per payment (12 a year)
$4,199.17
$50,390 a year after deductions
| Gross salary per year | $60,000.00 | |
|---|---|---|
| Federal income tax | −$5,020.00 | 8.4% |
| Social security | −$3,720.00 | 6.2% |
| Medicare | −$870.00 | 1.5% |
| Take-home pay per year | $50,390.00 | 84.0% |
Total deductions: 16.0% of gross pay.
From gross salary to take-home pay
Your gross salary is what your contract says. Your take-home pay is what reaches your bank account after two kinds of deduction: income tax, which rises in steps as you earn more, and social contributions, which pay for pensions, healthcare and unemployment benefits and are usually a flat percentage up to a ceiling. This calculator applies both, country by country, and shows every deduction separately so you can see where the money goes.
How the countries differ
- United States — federal income tax from 10% to 37% after the standard deduction, plus 6.2% Social Security (up to a wage cap) and 1.45% Medicare. State income tax comes on top.
- United Kingdom — no income tax on the first £12,570, then 20%, 40% and 45%, plus National Insurance at 8% on earnings between £12,570 and £50,270 and 2% above.
- Germany — the highest social contributions of the five, roughly 21–22% of salary up to the contribution ceilings, followed by a smoothly rising income tax.
- Portugal — a flat 11% to Social Security, then IRS in nine bands from 12.5% to 48%, with the minimum wage kept free of income tax.
- Spain — about 6.5% Social Security, then IRPF from 19% to 47% after generous reductions for lower earners.
Marginal rate versus average rate
A common worry is that a raise will push you into a higher band and leave you worse off. It can't: a higher rate applies only to the part of your income inside that band, never to everything. The average rate — total deductions divided by gross pay, shown under the results — always rises more slowly than the top band suggests. Try raising the salary in the calculator and you'll see take-home pay go up every time.
What the estimate leaves out
Personal circumstances change the numbers: dependants, marriage, pension contributions, company cars, tax-free allowances for commuting or childcare, and special regimes for young workers or new residents. If any of those apply to you, the real figure will usually be a little higher than shown. For decisions that matter — accepting an offer, taking out a mortgage — confirm with your employer's payroll department or a tax adviser.
Frequently asked questions
How accurate is this take-home pay calculator?
It applies each country's published tax bands, allowances and contribution rates for the tax year shown, so for a single employee without dependants it lands close to the real figure — usually within a few percent. It can't know about your personal deductions, tax credits, benefits in kind or pension contributions, so treat it as a planning estimate and your payslip as the final word.
Why is my monthly payslip slightly different?
Employers withhold tax each month using simplified tables, while this calculator works out the tax a full year's salary actually owes and spreads it evenly. Bonuses, overtime and the month you started a job all shift individual payslips, and the difference is normally settled when you file your tax return or at the end of the tax year.
What does “14 payments” mean?
In Portugal and Spain many contracts split the annual salary into 14 payments: 12 monthly ones plus holiday pay and a Christmas bonus. The yearly tax is the same, but each payment is smaller. Choose 14 if your contract states your salary that way, and enter the amount of one regular payment.
Does it include state or regional taxes?
Not for the United States, where state income tax ranges from zero to over 13% and some cities add their own. For Spain it assumes a regional rate equal to the national one, which is close to the middle of the range. Germany, Portugal and the UK are covered in full apart from the exceptions listed under the calculator.
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Open toolLast updated September 25, 2026