Net Salary Calculator: US, UK & Germany 2026
How to use our free net salary calculator for United States, UK, and Germany. Take-home pay after tax.
Job ads show gross salary. Your bank account gets net. In between: federal tax, state or national tax, and social contributions—and the rules change by country and sometimes by region. Our Net Salary Calculator is built to bridge that gap for the US, UK, and Germany so you can see your take-home pay in minutes. This guide explains what it does, where it works, and what to keep in mind.
What the calculator does
You enter your gross annual salary and pick your country and region (e.g. a US state, UK nation, or Germany). The tool applies the relevant income tax brackets and social contributions—Social Security and Medicare in the US, National Insurance in the UK, and the main social contributions in Germany (pension, health, unemployment, etc.)—and returns net annual, net monthly, and an effective tax rate. No sign-up, no email. Useful when you’re comparing offers, planning a move, or just curious what a raise actually means in hand.
United States: federal plus state
We cover federal income tax plus a long list of states, including California, New York, Texas, Florida, Illinois, Washington, and more. State rules vary a lot: no-income-tax states (Texas, Florida, Washington) will show a higher net for the same gross. State tax is often progressive too, so the gap between high-tax and no-tax states grows as salary increases. Use the calculator to switch states and see the difference—for example $70,000 after tax in California vs $70,000 in Texas.
United Kingdom: income tax and National Insurance
We include income tax and National Insurance for England, Wales, Northern Ireland, and Scotland. Scotland has its own bands and rates, so we treat it separately—check salary after tax in Scotland if that’s where you’re based. The personal allowance, basic rate, higher rate, and additional rate all feed into your net; NI has its own thresholds. The calculator gives you a single-filer estimate so you can compare £50,000 after tax in the UK or try different salaries.
Germany: federal rules for the whole country
Germany has one set of income tax and social contribution rules for the whole country (with minor regional church tax differences). We apply the standard formula: income tax plus the main social contributions (e.g. pension, health, unemployment, care). Try €50,000 after tax in Germany to see typical take-home there. Useful if you’re comparing a German offer with a US or UK one—run the same “purchasing power” salary in each country to see net in hand.
What the calculator doesn’t do
It assumes a single filer with no extra deductions or credits (e.g. no 401(k), no child tax credit, no student loan). It’s an estimate—handy for planning and comparison, not for filing or legal advice. Tax law changes every year; when in doubt, use your tax authority’s official calculator or a professional. For deeper dives, see our guides on $70,000 after tax in California, $60,000 after tax in New York, and £50,000 after tax in the UK.