Net Wage Calculator

This calculator turns your gross salary (annual or monthly) into the net amount that actually reaches your bank account each month. It applies each country's official 2024/2025 income tax brackets, social security rates, health insurance, and common pre-tax deductions (401(k), pension), then shows a line-by-line breakdown of every amount taken out.

What is gross vs net wage?

Gross wage is the salary you and your employer agreed on - the headline number in your contract. Net wage (also called take-home pay) is what remains after the employer withholds income tax, social security, health insurance, pension contributions, and any other mandatory or voluntary deductions.

What is included

• Income tax - progressive brackets (US, UK, Germany, Poland, Slovakia) or flat 15% (Czech Republic)
• Social security / insurance - Social Security and Medicare (US), National Insurance (UK), Rentenversicherung (Germany), ZUS (Poland), social insurance (Slovakia, Czech Republic)
• Health insurance - Medicare (US, bundled into FICA), NHS via NI (UK), statutory health insurance (Germany, CZ, PL, SK)
• Pre-tax deductions - 401(k) (US), workplace pension (UK)
• Student loan repayments - UK Plan 1 / Plan 2
• Effective and marginal tax rates so you can see both your average burden and the rate on the next dollar/pound/euro you earn

Important limitations

This tool produces estimates for informational purposes only. It does not cover every tax credit, local tax, capital gains, self-employment tax, benefits-in-kind, or special circumstances. Always confirm figures with the official tax authority (IRS, HMRC, Bundeszentralamt fur Steuern, Financni sprava, ZUS, Financna sprava) before making financial decisions.

United States

Federal income tax uses seven brackets (10% to 37%) with a standard deduction of $14,600 for single filers ($29,200 married). FICA adds 6.2% Social Security (capped at $168,600) and 1.45% Medicare (plus 0.9% over $200,000). 401(k) contributions are deducted pre-tax, lowering your taxable federal income. State income tax varies widely - nine states have none.

United Kingdom

The Personal Allowance is tax-free up to GBP 12,570 (tapered down by 1 for every 2 earned above 100,000). Rates are 20% basic, 40% higher, 45% additional. National Insurance is 8% between 12,570 and 50,270, then 2% above. Workplace pension contributions are deducted from gross pay. Student loan repayments are 9% of income above the plan threshold.

Germany

Progressive tax from 14% to 45% with a tax-free Grundfreibetrag of EUR 11,604 (2024). Employee social insurance totals roughly 20-21% (pension 9.3%, health 7.3% + supplementary, care 1.7%, unemployment 1.3%), capped at the contribution ceiling. Church tax of 8-9% of income tax applies to registered church members; the 5.5% Solidaritatszuschlag only kicks in for higher earners.

Czech Republic

From 2025 a flat 15% income tax applies (the old super-gross 20.1% effective rate was abolished). Employees pay 6.5% health insurance and 7.0% social insurance. A monthly tax discount (sleva na poplatnika) of 2,570 CZK reduces tax for most earners, plus additional discounts for students and child tax credits.

Poland

The tax-free amount is 30,000 PLN. A 12% rate applies up to 120,000 PLN, then 32% above. Health contribution is 9% of income. Social insurance (ZUS) is 13.71% of income up to a cap of roughly 177,600 PLN (2024).

Slovakia

The tax-free amount is approximately 5,746 EUR per year. A 19% rate applies up to 49,790 EUR, then 25% above. Social insurance is 13.4% and health insurance is 4%, both capped at a maximum assessment base of roughly 8,470 EUR per month.