Net vs Gross Salary Calculator

Why is the result an estimate?

Tax calculations depend on many variables: pension contributions, student loan repayments, investment income, deductions, credits, and local or provincial taxes. This calculator applies the core statutory rules — income tax plus primary social contributions — to give a reliable ballpark figure. For precise figures, use your national tax authority's official calculator or consult a tax advisor who can account for your individual circumstances, deductions, and any additional income sources.

Does this include state or provincial taxes?

No. The US calculation covers federal income tax and FICA only — state income tax can add 0–13% depending on your state, with California and New York at the high end and states like Texas and Florida having no income tax at all. Canada covers federal tax, CPP, and EI only — provincial tax adds roughly 6–17% depending on your province. Australia and the UK have no separate state income tax, so their results are more complete for standard employees.

What is the difference between effective tax rate and marginal tax rate?

Your marginal rate is the tax percentage that applies to your last dollar of income — for example, 22% federal in the US if you earn $60,000 as a single filer. Your effective rate is total tax paid divided by gross income, which is always lower than the marginal rate because lower portions of your income are taxed at lower rates in a progressive system. Understanding both is important: the marginal rate tells you the cost of earning one more dollar, while the effective rate tells you what percentage of your total income goes to tax.

How do I compare net salary between countries?

To compare net salaries between countries meaningfully, you need to convert to the same currency using current exchange rates, then compare after-tax take-home. Keep in mind that countries with higher taxes often provide more public services — free healthcare, subsidised childcare, and free university education — that workers in lower-tax countries must fund privately. The true comparison is disposable income after essential expenditure, not just the headline tax rate. This calculator shows the first step: gross to net conversion for each country.