Take-Home Pay Calculator

Related tools

A $70,000 salary in the US, a £45,000 salary in the UK, and a €50,000 salary in France aren't directly comparable until you know what actually lands in your bank account after tax and social contributions — this calculator gives a same-footing estimate across countries at once.

What this calculator estimates

Enter a gross salary and a country, and this tool subtracts that country's employee-side payroll deductions — income tax plus mandatory social contributions (Social Security/Medicare in the US, National Insurance in the UK, cotisations sociales in France, Seguridad Social in Spain, shakai hoken plus resident tax in Japan) — to estimate what actually reaches your bank account. It's built for one purpose: comparing job offers or relocation options across countries on a like-for-like, after-tax basis, not for filing an actual return.

How each country's number is built

Each country uses simplified national-level rules for the 2026 tax year (2026-27 for the UK and Australia): progressive income tax brackets, the standard deduction or personal allowance, and the mandatory payroll contributions an employee pays (not the employer's share, which never reaches your pay). The main panel covers the basics; open "More options" for each country's finer-grained factors. For the United States: filing status (single or married), an optional state/local tax rate, qualifying children (Child Tax Credit), and a pre-tax 401(k) contribution percentage. For the United Kingdom: a student loan repayment plan, England/Wales/N. Ireland vs. Scottish tax bands (Scotland has six bands instead of three), and a pension salary-sacrifice percentage. For France: cadre or non-cadre status (cadre pays a higher cotisations sociales rate), how many payments a year your salary is split across (12, or 13 with a 13th-month bonus), and the quotient familial — marital status plus number of children, which divides taxable income (after the automatic 10% deduction for work expenses) across "parts" before applying the barème, with the benefit of each extra half-part capped as in the real rules. For Spain: 12 or 14 payments a year (14 is the classic two pagas extra structure, which only changes how the total is split into paychecks, not the tax itself), number of children (mínimo por descendientes), and an optional regional IRPF adjustment, since the real tax is a national scale plus a regional one that varies by comunidad autónoma. Japan combines shakai hoken, the employment-income deduction, an approximate per-dependent deduction, national income tax with the reconstruction surtax, and a flat-rate approximation of resident tax. For Switzerland: AHV/IV/EO and ALV social insurance, an approximate federal direct tax (smoothed from ESTV's many small brackets), 12 or 13 payments a year, an optional 2nd-pillar (BVG/LPP) pension fund contribution, and — since cantonal and communal tax makes up most of a Swiss tax bill and varies enormously by canton, with top combined marginal rates from roughly 22% in low-tax Zug to 45%+ in Geneva — an optional cantonal/communal rate you supply yourself. For Mexico: the SAT's progressive ISR brackets plus an approximate flat IMSS social security contribution. For Argentina: aportes (retirement, PAMI, obra social — stable percentages even though peso figures move constantly with inflation), plus an optional Ganancias rate you supply, since thresholds there change too often to hardcode reliably and many salaries fall entirely under the current tax-free minimum. For Australia: 2026-27 resident tax brackets, the Medicare levy, an optional HECS-HELP repayment (income-contingent, like the UK student loan), and optional extra salary-sacrificed superannuation (compulsory super itself is employer-paid and doesn't touch your pay by default). For Canada: federal brackets, CPP and EI, and an optional provincial tax rate you supply yourself, since it varies as much between provinces as US state tax does between states.

A worked example

Say you're weighing a $75,000 offer in the US against a €62,000 offer in France for what feels like a similar role. Entering $75,000 for the US shows federal tax plus FICA taking a meaningful bite, landing at an effective rate in the high teens for a single filer at that income level (before any state tax). Entering €62,000 for France shows a much larger up-front deduction — cotisations sociales are withheld before income tax is even calculated — followed by income tax on what's left. Switching the country dropdown between the two lets you compare the resulting monthly net figures directly, which is the number that actually matters for budgeting a move or comparing offers — not the headline gross salary alone.

What this doesn't account for

• Anything not in "More options" — dependents, filing/marital status, student loans, and pension contributions are covered there per country, but more niche credits and deductions (e.g. mortgage interest relief, itemized deductions) aren't modeled anywhere in this tool.
• Regional/local taxes beyond what you enter yourself — US city tax and Spain's exact per-region IRPF brackets aren't included; US state tax, Spain's regional adjustment, Canada's provincial tax, and Argentina's Ganancias only apply if you fill in those optional fields yourself.
• Pre-tax benefits and voluntary deductions — employer retirement contributions, health insurance premiums, salary sacrifice schemes, and similar arrangements aren't factored in.
• Currency conversion — figures are calculated in each country's own currency; this isn't an exchange-rate tool, so compare percentages and monthly figures rather than assuming the raw numbers are on the same scale.

Frequently asked questions