From gross to take-home
Your take-home (net) pay is what's left after deductions come out of your gross pay. The two main types are percentage-based deductions — income tax and social or pension contributions, which scale with your pay — and fixed deductions like a set insurance premium or union fee. This tool subtracts both to show what actually reaches you.
Why the rate is editable
Tax and contribution rates differ by country, region and income level, and they change over time. Rather than hard-code one country's system, this calculator lets you enter your own combined deduction rate, so it stays accurate wherever you are. If you know your effective rate from a payslip, enter that for the closest result.
An estimate, not a payslip
Real payroll can involve tax brackets, allowances, caps on contributions and other rules that a single rate can't fully capture. Use this as a quick estimate; for an exact figure, rely on your official payslip or a country-specific tax tool.
Frequently asked questions
What rate should I enter?
Your combined effective deduction rate — income tax plus social/pension contributions as a share of gross. A recent payslip is the best source; divide total deductions by gross pay.
Does it handle tax brackets?
Not directly — it applies one flat rate. Enter your effective (average) rate rather than the top marginal one for a realistic take-home figure.