Salary Calculator
Turn a gross salary into the monthly take-home figure you can actually budget with.
A job offer quotes the gross salary: the amount before income tax, social contributions and anything you pay yourself, such as a pension or health plan. What you can spend is the net figure, and the gap between the two is usually the first surprise of a new job.
Enter the gross salary, the effective tax rate that applies where you live and any fixed annual deductions, and this calculator shows the number that reaches your account each month.
At a glance
- What you enter
- Gross monthly salary, Annual bonus, Effective tax rate, Other annual deductions
- What you get
- Estimated monthly take-home
- Formula shown
- Yes - every step, right below your results.
- Cost and privacy
- Free, no account needed, and nothing you type is stored.
See worked examples ↓ Read the FAQ ↓ Share this calculator ↓
Results are estimates for general information only - always verify with a professional or official source before acting on them.
How to use the Salary Calculator
- 1 Enter Gross monthly salary
- 2 Enter Annual bonus - Expected bonuses over a full year, if any.
- 3 Enter Effective tax rate (% of gross) - Income tax plus social contributions, as a share of gross pay.
- 4 Enter Other annual deductions - Pension contributions, health insurance, student loan repayments.
- 5 Press Calculate. You get Estimated monthly take-home, and every intermediate step stays visible under “How is this calculated?”
- 6 Change one number at a time to see what moves the result - that is usually the most useful thing a calculator can tell you.
Worked examples
Real numbers run through this calculator. Open any example to load it into the form above and change it.
A $4,000 salary in a country with 25% tax and social contributions
No bonus and no pension or insurance deductions.
You enter
- Gross monthly salary
- $4,000.00
- Annual bonus
- $0.00
- Effective tax rate
- 25%
- Other annual deductions
- $0.00
You get
- Estimated monthly take-home
- $3,000.00
Gross annual pay is $48,000. Tax and social contributions take $12,000, leaving $36,000 a year, or $3,000 a month. That $1,000 gap between gross and net is the number to budget with, not the salary in the advert.
A $6,000 salary with a $6,000 bonus and a 5% pension contribution
A higher earner at a 30% effective rate who pays $6,000 a year into a pension.
You enter
- Gross monthly salary
- $6,000.00
- Annual bonus
- $6,000.00
- Effective tax rate
- 30%
- Other annual deductions
- $6,000.00
You get
- Estimated monthly take-home
- $4,050.00
Gross annual pay is $78,000. Tax is $23,400 and the pension takes $6,000, so $48,600 reaches your account over the year, which is $4,050 a month. The $6,000 bonus adds $420 a month to take-home, because the rate you entered also applies to it.
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Frequently asked questions
How do I work out my effective tax rate?
The rate this calculator wants is an average, not the rate on your top slice of income. Add up every deduction that comes out of your pay over a year, including income tax and social contributions, then divide that total by your gross annual pay. If you take home $36,000 from $48,000 gross, your effective rate is 25%, even though your marginal rate may be higher.
Estimating from the marginal rate is the most common way to get a wrong answer. It makes the result too pessimistic, because brackets and allowances mean only the last part of your income is taxed at the top rate. If you are unsure, use last year's tax figure as the starting point.
Should I enter my gross or my net salary?
Enter the gross figure: the salary stated in the job offer, before tax and contributions. Net pay is what this calculator produces, so entering it would apply tax a second time and understate your take-home pay substantially.
If you only know your monthly take-home, multiply it by twelve and treat that as an approximation of net annual income. You can then compare it with the estimated net annual figure the calculator returns. A large gap usually means the effective rate you entered does not match the deductions on your payslip.
What does the result leave out?
The result covers income tax, social contributions and whatever you enter under other annual deductions. It does not include local or city taxes, payroll deductions such as workplace parking or union fees, one-off bonuses that are not in the annual bonus field, or any benefit your employer pays on your behalf.
It also assumes tax is spread evenly across twelve months. Many employers and tax offices do not work that way: a bonus month, a tax-free allowance, a mid-year raise or a second job can all shift a single payslip away from the annual average. Use the figure for budgeting, not for checking whether a particular payslip is correct.
How do I turn the monthly figure into a budget?
Use the estimate as the income line in the Budget Calculator and split it with the 50/30/20 guideline. If you are comparing two job offers, run each one through this calculator first: a higher gross salary in a place with higher tax and contributions can leave you with less each month than a lower one where you keep more.
Once you know your monthly take-home, the next steps are a savings buffer and, if you have debt, a payoff plan. Both are easier to size once the income number is honest.
Terms used here
Short, plain-language definitions of the words this calculator uses.