Calcwise / Money and tax / Gross to net salary calculator

Gross to net salary calculator

Choose a country and a tax year, enter your gross pay and see the tax and contributions taken off, plus the cost to your employer.

Country Tax year

Gross payGross pay is per

Age

Commuting to work (higher cost allowance)

Employee pension scheme (PPK) with the basic contribution

I live in Scotland

Loan amount

Postgraduate loan

Pension contribution (% of gross, before tax)

Tax class

Church tax

Married or in a civil partnership (joint return)

Number of children

of which under 3 years old

Net per month
Net per year
Gross per year
Total deductions
Cost to employer (estimate)

Where the money goes

	Per month	Per year

Sources

For information only, not tax advice. Results can differ from your payslip.

Calculated in your browser. Nothing you enter is sent or stored.

About this tool: Gross to net salary calculator

The gross to net salary calculator shows how much of your gross pay is left after income tax and social contributions in the UK, Poland, the Netherlands, Germany, France and Spain. Pick the country and the tax year, enter your pay per month or per year and the extra details that matter in that country, such as tax class in Germany or the student loan in the UK.

Each country follows its own published rules for the year you choose, and the page lists the official sources. Anything we could not confirm in an official source is flagged as an estimate. The result is a guide: your payslip can differ because of your employer's setup, allowances and benefits.

Formula

Net pay = gross pay − income tax − social contributions − other deductions (such as pension or student loan). Each country applies its own tax bands, allowances and contribution rates to the gross amount.

Worked example

A gross salary of 60,000 a year in Poland (5,000 a month) in 2026 leaves about 3,738 a month, so deductions are about 25.2% of gross. In the UK, 48,000 a year in 2026/27 leaves about 3,173 a month (20.7% deducted).

Sources and data

Formulas and data last reviewed: November 2, 2026
Accuracy: This is an estimate based on published rules. It can differ from your payslip or a bank's offer, and items we could not confirm in an official source are flagged.

Sources and data

Frequently asked questions

How accurate is the result?

It follows the published tax rules for the year you pick. Items marked as an estimate use values we could not confirm in an official source. Your payslip can differ because of your employer's payroll rules, allowances and benefits.

Why can I choose the next year?

Rules change every year. The next year is offered so the page is ready when rates are published. Until then it says the data is in preparation instead of guessing.