Calculator
Enter your salary and see net pay by bracket
CalculatorGlobal coverage
NettoFlow – Free Salary Calculator & Tax Planner for 40 Countries
NettoFlow shows how gross salary breaks down into income tax, social contributions, employer costs, and net pay - using official tax rules for 40 countries.
More features
Income Flow
Visualize how your income flows through taxes to net income and savings
Income FlowStatistics
Average and marginal tax rates across every income level
StatisticsCompare
Compare net pay and tax burden across countries
CompareRanking
How 40 countries tax the same salary
RankingCountries
40
Salary calculators covering every supported payroll system.
Tax years
2024-2026
Multiple tax years available - switch years in the calculator to see how rules have changed.
Rule sets
234
Regional rule sets included wherever payroll rules differ below the national level.
Privacy
Browser-first
All calculations run in your browser. No salary data is ever sent to a server.
Countries
Choose a country to explore its tax and payroll model.
Available Years2024-2026
Subdivisions9 regional rule sets
9 regional rule setsJoint assessment (splitting)Capital Gains
Available Years2024-2026
SubdivisionsNational rules
National rulesJoint assessment (splitting)
Available Years2024-2026
Subdivisions13 regional rule sets
13 regional rule setsJoint assessment (splitting)Capital Gains
Available Years2024-2028
Subdivisions16 regional rule sets
16 regional rule setsChurch TaxCapital Gains
Available Years2024-2026
SubdivisionsNational rules
National rulesJoint assessment (splitting)
Available Years2024-2026
SubdivisionsNational rules
National rulesJoint assessment (splitting)Capital Gains
Available Years2024-2026
SubdivisionsNational rules
National rulesJoint assessment (splitting)
Available Years2024-2026
Subdivisions21 regional rule sets
21 regional rule setsCapital Gains
Available Years2024-2026
SubdivisionsNational rules
National rulesJoint assessment (splitting)
Available Years2024-2026
SubdivisionsNational rules
National rulesJoint assessment (splitting)Capital Gains
Available Years2024-2026
Subdivisions17 regional rule sets
17 regional rule setsJoint assessment (splitting)
Available Years2024-2026
Subdivisions26 regional rule sets
26 regional rule setsChurch TaxCapital Gains
Available Years2024-2026
Subdivisions51 regional rule sets
51 regional rule setsFiling Status
What changes take-home pay
The same gross salary can land very differently from country to country.
Income tax structure
Tax years, bracket thresholds, and filing logic decide how quickly gross salary turns into taxable income. The structure determines whether income is taxed progressively across multiple bands, or at a flat rate, and at what threshold the highest marginal rate applies.
Gross SalaryYearIncome Tax Brackets
Payroll contributions
Pension, health, unemployment, and employer-side payroll costs change both take-home pay and full employment cost. These contributions often have their own ceilings and age-banded rates that operate independently from the main income tax system.
Social Security ContributionsEmployer ContributionsFull Employment Cost
Local and personal settings
Regions, household status, children, or local surcharges can move the result materially even within the same country. Joint assessment or tax class combinations can significantly shift bracket thresholds and available standard deductions.
RegionTax ClassFiling StatusChildrenCapital Gains
Frequently Asked Questions
Yes, NettoFlow is completely free. No registration or payment is required to use the salary calculator, budget planner, or any other feature.
NettoFlow supports Germany, Denmark, Estonia, Austria, Switzerland, Belgium, Bulgaria, Hungary, Brazil, Canada, France, United States, Greece, Cyprus, United Kingdom, Italy, Portugal, Netherlands, Spain, Mexico, Malaysia, Ireland, India, Croatia, Singapore, Hong Kong, Australia, Poland, Japan, Luxembourg, Sweden, Finland, Norway, Czech Republic, Turkey, South Korea, New Zealand, Thailand, Indonesia and Romania - 40 countries in total.
Your net salary is calculated by deducting income tax and social security contributions from your gross salary. The exact amounts depend on the selected country, your income level, and personal parameters such as age, marital status, and number of children.
The calculator models income tax, solidarity surcharge (where applicable), social security contributions (pension, health, unemployment, and care insurance), and country-specific levies. The exact mix depends on the jurisdiction you choose. Some country-specific reliefs are modeled conservatively when they depend on personal data we do not ask for. For example, in Poland the senior FP/FGŚP exemption applies from age 60 by default, or from age 55 for women if you provide the optional sex input.
Yes. The Country Comparison page lets you enter a salary and compare net income, taxes, and employer costs side by side for multiple countries.
The Flow page shows a Sankey diagram that visually maps your gross salary through taxes and contributions down to net income and budget. It helps you see at a glance where your money goes.
Use the locale switcher in the top navigation bar. Selecting a different country or language instantly updates all calculations and labels.
Employers pay social security contributions on top of your gross salary - covering pension, health, accident, and unemployment insurance. The Employer Costs section shows the total cost of employment, which is useful when negotiating salary or comparing offers across countries where employer burdens differ significantly.