How much of your gross salary will you actually take home?
The Finorum Net Salary Calculator estimates your take-home pay in all 27 European Union countries. Select a country, enter your monthly or annual gross salary, and see how income tax and mandatory contributions affect your earnings.
You can also review the employer’s total cost and compare net salaries between two EU countries.
| Gross salary | 100% |
| Income tax | |
| Social contributions▼ | |
| Employer contributions | |
| Total employer cost | |
| Net salary | |
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How to Use the Net Salary Calculator
Using the calculator takes only a few steps:
- Select the country in which you are employed.
- Choose a monthly or annual pay period.
- Enter your gross salary.
- Review your estimated taxes, contributions and net pay.
- Select “Compare with another country” to compare the result.
The calculation updates automatically whenever you change the country, salary or pay period.
Gross Salary vs Net Salary
Gross salary is the amount earned before income tax and employee contributions are deducted. It is usually the salary stated in an employment contract or job offer.
Net salary, also known as take-home pay, is the amount remaining after mandatory deductions.
Net salary = Gross salary − Income tax − Employee contributions
Depending on the country, employee contributions may include pension, healthcare, unemployment, sickness or other social insurance payments.
What Does the Calculator Include?
The calculator provides an estimated breakdown of:
- Gross salary
- Income tax
- Employee social contributions
- Net salary
- Employer contributions
- Total employer cost
Employer contributions are paid by the employer in addition to gross salary. They do not normally reduce the employee’s take-home pay, but they increase the total cost of employment.
For EU countries that do not use the euro, results are shown in the official local currency. An indicative euro conversion is also provided to make comparisons easier.
Compare Net Salaries Across Europe
The same gross salary can produce a different net result depending on the country’s income tax rates, tax-free allowances, contribution rates and social security rules.
The comparison option allows you to compare two EU countries using an equivalent gross salary value. This can be helpful when evaluating international job offers or considering relocation.
However, net salary is only one part of the decision. Housing, transport, food, childcare and other living expenses should also be considered.
Calculation Assumptions
Unless stated otherwise, the calculator assumes that the employee:
- Is a tax resident of the selected country
- Receives income from standard salaried employment
- Is single and has no dependants
- Claims no special deductions or tax benefits
- Receives the standard number of salary payments
Actual payroll results may differ because of family status, municipality, region, bonuses, personal deductions, benefits in kind or industry-specific contributions.
Frequently Asked Questions
Is gross salary before tax?
Yes. Gross salary is the amount earned before income tax and employee social contributions are deducted.
Is net salary the amount I receive?
Net salary is the estimated amount remaining after standard payroll deductions. Other deductions agreed with your employer may reduce the final payment.
Does the calculator include employer contributions?
Yes. Employer contributions and total employer cost are shown separately.
Can I compare two countries?
Yes. Select “Compare with another country” and choose the second EU country.
Why does the result differ from my payslip?
Your payslip may include personal allowances, local taxes, family benefits, bonuses or other deductions that are not part of the standard calculation.
Important Notice
The Finorum Net Salary Calculator provides an estimate for informational purposes only. Tax rates, thresholds, allowances and contribution rules may change, while individual circumstances can affect the final result.
For an official payroll calculation or personalised advice, consult a qualified accountant, tax adviser or the relevant national authority.
Matias Buće has a formal background in administrative law and more than ten years of experience studying global markets, forex trading, and personal finance. His legal training shapes his approach to investing — with a focus on regulation, structure, and risk management. At Finorum, he writes about a broad range of financial topics, from European ETFs to practical personal finance strategies for everyday investors.