How it works
Your gross salary is what your employment contract states; your net salary is what actually lands in your bank account after income tax and employee social security contributions. The gap between the two varies enormously across Europe — from under 20% in some flat-tax countries to well over 45% for high earners in Belgium, Germany or Denmark.
This take-home pay calculator applies each country’s progressive income tax brackets and typical employee social contribution rates to estimate the net salary on your paycheck. It deliberately uses a simplified national model: real payroll depends on your municipality, church membership, marital status, dependants and pension scheme, so treat the result as a realistic estimate rather than a payslip.
How net salary is calculated
Net = Gross − SocialSecurity − IncomeTax
SocialSecurity = min(Gross, Cap) × ContributionRate
IncomeTax = ProgressiveBrackets(Gross − SocialSecurity − Allowance)The tax-free allowance and each bracket’s rate come from the selected country and tax year. Social contributions are deducted before tax where national rules allow it.