Take-home Pay Calculator
Calculate your 'take-home pay' by deducting taxes and social insurance from your gross annual salary.
Yearly Net Income
How to Use
- STEP 1
- Enter your annual gross salary.
- STEP 2
- Select your age group (affects Nursing Care Insurance).
- STEP 3
- Specify spouse and number of dependents.
- STEP 4
- See your estimated take-home pay instantly.
Notes
- Calculations are estimates based on standard rates and may differ from actual values.
- Social insurance premiums vary by association and standard remuneration grades.
- Residence tax is based on previous year's income; this tool estimates based on current input.
- No personal data is stored; all calculations happen in your browser.
Did You Know?
Most countries use a 'progressive tax' system, meaning the more you earn, the higher your tax rate on additional income.
'Take-home pay' (or net pay) is the money you actually receive after taxes and social insurance are deducted from your gross salary.
Social insurance contributions (pension, health, etc.) are typically deducted as a percentage of salary, often with caps in many countries.
The same gross salary can result in very different take-home pay depending on the country — compare tax and social security systems!
Many countries offer tax-advantaged retirement accounts (like 401k, IRA, iDeCo, NISA) — contributing can reduce your taxable income.