Net Salary Calculator
Income & TaxGross to net with your country's contributions, tax brackets, and credits, plus your effective and marginal rates.
€1,732.50
12 payments per year
€20,790
From €30,000 gross
30.7%
Of your gross salary withheld
30.7%
On the next unit you earn
From gross to net
- Gross and net pay
- Deductions
Waterfall chart from gross annual salary to net annual pay, stepping down through social contributions, income tax, and other withholdings, with tax credits stepping back up.
Annual and per-payment breakdown
| Item | Annual | Per payment |
|---|---|---|
| Gross salary | €30,000.00 | €2,500.00 |
| Social contributions | €3,000.00 | €250.00 |
| Taxable income | €27,000.00 | €2,250.00 |
| Tax before credits | €6,210.00 | €517.50 |
| Credits applied | €0.00 | €0.00 |
| Other withholdings | €0.00 | €0.00 |
| Net pay | €20,790.00 | €1,732.50 |
How this calculator works
This calculator turns a gross annual salary into net pay with the pipeline most tax systems share. Social contributions come off the top as a percentage of gross. Income tax is then charged on the taxable income through progressive brackets: each band taxes only the slice of income that falls inside it, so crossing a threshold never reduces your net pay. Tax credits reduce the tax itself, other withholdings cover anything charged outside the brackets, and what remains is your net annual pay, split equally across 12, 13, or 14 payments.
The engine is deliberately generic. The preloaded contribution rate and brackets are worked examples, not any country's law, because rates, thresholds, credits, and deductibility rules differ everywhere and change with almost every budget. Take each value from your country's tax authority or a recent payslip: the employee contribution rate, the current bracket table, the credits you are entitled to, and whether contributions are deducted from income before tax. They are in most systems, so that is the default, but the toggle covers systems where they are not. Credits here are non-refundable: they can cut the tax to zero, never below it.
Two rates summarize the result. The effective rate is everything withheld as a share of gross, the number that tells you what your salary is really worth. The marginal rate is measured numerically on your own inputs, so it is what you actually lose from the next unit you earn, the number that matters when you weigh a raise, extra hours, or a bonus. The per-payment figure is an equal split of the annual net; in countries with 13th or 14th salaries the real withholding on those payments often differs, so treat the annual figure as the solid one and the per-payment figure as an average.
Frequently asked questions
- How does the calculator get from gross to net?
- In four steps. Social contributions are the gross salary times the contribution rate. Taxable income is the gross minus those contributions where they are deductible, or the full gross where they are not. Income tax is charged on the taxable income band by band, each band taxing only the slice that falls inside it, and tax credits are then subtracted without ever pushing the tax below zero. Net annual pay is the gross minus contributions, minus the tax after credits, minus any other withholdings, and the per-payment figure divides it equally across the payments per year.
- Where do I find the right values for my country?
- From official sources: the tax authority publishes the bracket table and the credits, and the social insurance body publishes the employee contribution rate. A recent payslip is a good cross-check, since it shows what is actually withheld. The values preloaded in the calculator are worked examples, not any country's law, and real rates and thresholds change with almost every budget cycle, so verify them for the current tax year before relying on the result.
- Why is not all of my income taxed at the highest rate?
- Because progressive tax works on slices, not on the whole amount. Each bracket taxes only the income that falls between its bounds: with bands of 23% up to 28,000 and 35% above, an income of 30,000 pays 23% on the first 28,000 and 35% only on the remaining 2,000. Moving into a higher band therefore never reduces your net pay; only the extra income is taxed at the higher rate. The fear of a raise that leaves you worse off is, in a plain bracket system, a myth.
- What is the difference between the effective and the marginal rate?
- The effective rate looks backward at the whole salary: everything withheld, contributions, tax, and other withholdings, divided by gross. It measures what your salary is worth after deductions. The marginal rate looks forward at the next unit: how much of one more unit of gross pay you would not keep. This calculator measures it numerically, by recomputing the net at a slightly higher gross, so it reflects contributions, their deductibility, and credits, not just the top rate in the bracket table. Use the effective rate to judge an offer and the marginal rate to judge a raise or extra hours.
- How are 13th and 14th salaries handled?
- As an equal split: the net annual pay is divided by the number of payments you select, so with 14 payments each one is smaller but the annual total is unchanged. Real payroll systems often withhold differently on the extra salaries, so the actual amounts can vary from payment to payment even when the annual net matches. Treat the annual figure as the reliable one and the per-payment figure as an average.
- What does this calculator not include?
- It has no country presets: every rate, threshold, and credit is an input you provide, and the preloaded values are examples only. It does not model refundable credits, credits that phase out with income, benefits in kind, employer contributions, self-employment or joint-filing regimes, or local surtax tables; flat local surtaxes can be entered as other withholdings. The per-payment figure is an equal split rather than a payroll simulation. For a binding figure, check your payslip or ask your payroll office or a tax professional.
These calculators are for educational purposes only and are not financial advice. Always consult a qualified financial advisor, mortgage professional, or your bank before making a commitment.
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