Free Net Salary Calculator — 18 Countries, Instant Take-Home Pay

Instantly calculate your net take-home pay after income tax, social security, and custom deductions. Paycheckd is a free global salary calculator supporting 18 countries with official 2025-26 tax rates: Norway, Sweden, Finland, France, Ireland, Belgium, Austria, Cyprus, United Kingdom, United States, Australia, Spain, Netherlands, Greece, Italy, Germany, Portugal, and Poland. No sign-up required.

Supported Countries & Tax Systems

• Australia — 2025-26 Stage 3 tax brackets, Medicare Levy, optional HELP/HECS student loan repayment
• Austria — ASVG social insurance (sliding AV rate), progressive Einkommensteuer, Verkehrsabsetzbetrag credit, optional Sonderzahlungen 6% flat tax on 13th/14th month salary
• Belgium — Federal income tax brackets, ONSS social security with work bonus reduction, 30% professional deduction, per-municipality communal surcharge
• Cyprus — 2025 rates and 2026 tax reform, Social Insurance (GESY healthcare), optional 13th salary
• Finland — State income tax brackets, 7.5% average municipal tax with ansiotulovähennys deduction, TyEL pension (7.15%), health insurance, unemployment contributions
• France — IR progressive brackets, social contributions (AGIRC-ARRCO, CNAV), CSG/CRDS on 98.25% of gross, 10% professional abattement with décote
• Germany — 2025/2026 §32a EStG continuous formula, all 6 Steuerklassen, Splittingverfahren, nursing care surcharge, Solidarity surcharge
• Greece — 2026 Law 5246/2025 income tax brackets, e-EFKA social security, age and children tax profiles
• Ireland — 20%/40% rate bands, personal and employee tax credits, USC tiered charge, PRSI 4%, married/civil partner option
• Italy — National IRPF brackets, INPS social security contributions, regional income surtax
• Netherlands — 2026 Box 1 income tax, National Insurance (AOW/ANW/WLZ), Algemene Heffingskorting and Arbeidskorting tax credits
• Norway — 22% flat income tax (alminnelig inntekt), trinnskatt bracket surcharge up to 17.6%, 7.8% trygdeavgift national insurance, minstefradrag standard deduction
• Poland — PIT 12%/32% brackets, ZUS social security, health insurance (składka zdrowotna), kwota wolna PLN 30,000, Ulga dla Młodych under-26 exemption
• Portugal — IRS progressive brackets 13.25%–48%, Segurança Social 11%, solidarity surcharge, IFICI/NHR 2.0 flat 20% regime
• Spain — National IRPF + regional rates for all 17 Autonomous Communities and Ceuta/Melilla, Seguridad Social
• Sweden — Municipal tax (kommunalskatt ~32.37%), state tax (statlig 20% above SEK 643,100), 7% allmän pensionsavgift, jobbskatteavdrag earned income credit, grundavdrag
• United Kingdom — Income Tax (PAYE), National Insurance Class 1 contributions
• United States — Federal income tax, Social Security (6.2%), Medicare (1.45%), state income tax for all 50 states + D.C.

Key Features

• Instant net salary calculation — results update as you type
• Visual salary breakdown with donut chart (tax, social security, net pay)
• Regional tax support — Spanish Autonomous Communities, all 50 US states
• Tax profile options — Greek age/children discounts, Australian HELP debt repayment
• Custom deductions — add pension, health insurance, charitable donations, or any pre-tax amount
• Official 2025-26 tax rates for all supported countries
• Free to use — no sign-up, no subscription, no hidden fees

How It Works

Enter your annual gross salary, select your country (and state or region if applicable), and Paycheckd instantly breaks down your income tax, social security contributions, and net take-home pay. You can add custom pre-tax deductions like pension contributions or health insurance to see exactly how they reduce your tax bill and affect your final paycheck.

Country-Specific Calculators

Norway Net Salary Calculator (Nettolønnskalkulator)

Calculates Norwegian take-home pay using the two-layer income tax system: 22% flat tax on alminnelig inntekt (ordinary income) after the standard minstefradrag deduction (46%, max NOK 104,450) and the NOK 108,550 personfradrag (personal allowance), plus the trinnskatt bracket surcharge (1.7%–17.6%) on gross income, and 7.8% trygdeavgift national insurance.

Sweden Net Salary Calculator (Nettolönekalkulator)

Covers the Swedish municipal income tax (kommunalskatt, national average 32.37%) plus 20% statlig skatt above SEK 643,100. Automatically applies the grundavdrag (basic allowance), deducts the 7% allmän pensionsavgift (APA) employee pension contribution (capped at SEK 615,534), and applies the jobbskatteavdrag (earned income tax credit) — which can reduce tax by up to SEK 50,500/year for typical incomes.

Finland Net Salary Calculator (Nettopalkkalaskin)

Computes Finnish take-home pay using the 2025 state income tax brackets (valtionvero, 0–44%) and 7.5% average municipal tax (kunnallisvero), with the kunnallisverotuksen ansiotulovähennys earned income deduction reducing the municipal base. Employee contributions: TyEL pension 7.15%, health insurance ~1.35%, and unemployment insurance (TVR) 0.79%.

France Net Salary Calculator

Covers French income tax (IR) with 2025 progressive brackets (0–45%), social contributions including AGIRC-ARRCO complementary pension and CNAV retraite, plus CSG (9.70%) and CRDS applied to 98.25% of gross. The 10% professional expenses abattement (min €495, max €14,258) and décote smoothing are applied automatically.

Ireland Net Salary Calculator

Calculates Irish take-home pay using the 20%/40% income tax rate bands (€44,000 single, €53,000 married), personal and employee tax credits, the Universal Social Charge (USC, 0.5–8%), and PRSI Class A (4%). Includes a married/civil partner toggle for the wider rate band and higher credits.

Belgium Net Salary Calculator

Covers Belgian federal income tax brackets (25–50%), ONSS social security (13.07%) reduced by the work bonus (werkbonus) for lower incomes, 30% professional deduction, and per-municipality communal tax surcharge on federal income tax. Includes presets for Brussels, Antwerp, Ghent, Bruges, Liège, and more.

Austria Net Salary Calculator (Brutto-Netto-Rechner)

Applies the Austrian ASVG social insurance rates (PV 10.25%, KV 3.87%, sliding AV 0–3%, WBF 0.5%) up to the annual ceiling of €81,900. Includes the Werbungskosten standard deduction (€132) and Verkehrsabsetzbetrag commuter credit (€487). Optional Sonderzahlungen toggle taxes the 13th and 14th month salary at the favourable 6% flat rate.

Cyprus Net Salary Calculator

Calculate take-home pay under the current 2025 rates or the upcoming 2026 tax reform. Includes Social Insurance and GESY healthcare contributions.

UK Net Salary Calculator

Calculate your PAYE income tax and Class 1 National Insurance deductions to find your exact take-home pay.

US Net Pay Calculator

Federal income tax, Social Security, Medicare, plus state income tax for all 50 states and Washington D.C.

Australia Take-Home Pay Calculator

2025-26 Stage 3 tax rates, Medicare Levy, and optional HELP/HECS-HELP student loan repayment based on ATO thresholds.

Spain IRPF Calculator

National IRPF plus regional rates for all 17 Autonomous Communities (including Basque Country and Navarra approximations) and Ceuta/Melilla. Seguridad Social included.

Netherlands Salary Calculator

2026 Box 1 income tax with National Insurance (AOW, ANW, WLZ) and automatic application of Algemene Heffingskorting and Arbeidskorting tax credits.

Greece Net Salary Calculator

2026 rates under Law 5246/2025, e-EFKA social security, with optional age and children tax profiles that reduce your effective tax rate.

Italy Net Salary Calculator

National IRPF brackets, INPS social security, and regional income surtax for an accurate Italian take-home pay estimate.

Germany Net Salary Calculator (Brutto-Netto-Rechner)

Uses the official 2025 and 2026 §32a EStG continuous formula (Einkommensteuer). Supports all 6 Steuerklassen including Class III Splittingverfahren for married couples. Includes Rentenversicherung (9.3%), Krankenversicherung (8.55%), Pflegeversicherung (1.7%/2.3%), Arbeitslosenversicherung (1.3%), and Solidaritätszuschlag for high earners.

Portugal IRS Salary Calculator

Progressive IRS brackets from 13.25% to 48% for 2025/2026. Includes Segurança Social (11%), €4,104 specific deduction for employment income, and solidarity surcharge (2.5% above €80,000, 5% above €250,000). Also supports the IFICI regime (NHR 2.0) flat 20% tax rate for qualifying new residents.

Poland Net Salary Calculator (Kalkulator Wynagrodzeń)

PIT tax with 12% bracket up to PLN 120,000 and 32% above, with kwota wolna (PLN 30,000 tax-free). ZUS social security contributions (13.71%, capped PLN 282,600) and health insurance (składka zdrowotna 9%, no cap). Supports the Ulga dla Młodych PIT exemption for workers under 26 (up to PLN 85,528) and commuter worker cost deduction.