Free Net Salary Calculator — Global Take-Home Pay
Instantly calculate your net take-home pay after income tax, social security, and custom deductions. Paycheckd is a free global salary calculator supporting 11 countries with official 2025-26 tax rates: Cyprus, United Kingdom, United States, Australia, Spain, Netherlands, Greece, Italy, Germany, Portugal, and Poland. No sign-up required.
Supported Countries & Tax Systems
- Australia — 2025-26 Stage 3 tax brackets, Medicare Levy, optional HELP/HECS student loan repayment
- Cyprus — 2025 rates and 2026 tax reform, Social Insurance (GESY healthcare)
- Germany — 2025/2026 §32a EStG continuous formula, all 6 Steuerklassen, Splittingverfahren, nursing care surcharge, Solidarity surcharge
- Greece — 2026 Law 5246/2025 income tax brackets, e-EFKA social security, age and children tax profiles
- Italy — National IRPF brackets, INPS social security contributions, regional income surtax
- Netherlands — 2026 Box 1 income tax, National Insurance (AOW/ANW/WLZ), Algemene Heffingskorting and Arbeidskorting tax credits
- Poland — PIT 12%/32% brackets, ZUS social security, health insurance (składka zdrowotna), kwota wolna PLN 30,000, Ulga dla Młodych under-26 exemption
- Portugal — IRS progressive brackets 13.25%–48%, Segurança Social 11%, solidarity surcharge, IFICI/NHR 2.0 flat 20% regime
- Spain — National IRPF + regional rates for all 17 Autonomous Communities and Ceuta/Melilla, Seguridad Social
- United Kingdom — Income Tax (PAYE), National Insurance Class 1 contributions
- United States — Federal income tax, Social Security (6.2%), Medicare (1.45%), state income tax for all 50 states + D.C.
Key Features
- Instant net salary calculation — results update as you type
- Visual salary breakdown with donut chart (tax, social security, net pay)
- Regional tax support — Spanish Autonomous Communities, all 50 US states
- Tax profile options — Greek age/children discounts, Australian HELP debt repayment
- Custom deductions — add pension, health insurance, charitable donations, or any pre-tax amount
- Official 2025-26 tax rates for all supported countries
- Free to use — no sign-up, no subscription, no hidden fees
How It Works
Enter your annual gross salary, select your country (and state or region if applicable), and Paycheckd instantly breaks down your income tax, social security contributions, and net take-home pay. You can add custom pre-tax deductions like pension contributions or health insurance to see exactly how they reduce your tax bill and affect your final paycheck.
Country-Specific Calculators
Cyprus Net Salary Calculator
Calculate take-home pay under the current 2025 rates or the upcoming 2026 tax reform. Includes Social Insurance and GESY healthcare contributions.
UK Net Salary Calculator
Calculate your PAYE income tax and Class 1 National Insurance deductions to find your exact take-home pay.
US Net Pay Calculator
Federal income tax, Social Security, Medicare, plus state income tax for all 50 states and Washington D.C.
Australia Take-Home Pay Calculator
2025-26 Stage 3 tax rates, Medicare Levy, and optional HELP/HECS-HELP student loan repayment based on ATO thresholds.
Spain IRPF Calculator
National IRPF plus regional rates for all 17 Autonomous Communities (including Basque Country and Navarra approximations) and Ceuta/Melilla. Seguridad Social included.
Netherlands Salary Calculator
2026 Box 1 income tax with National Insurance (AOW, ANW, WLZ) and automatic application of Algemene Heffingskorting and Arbeidskorting tax credits.
Greece Net Salary Calculator
2026 rates under Law 5246/2025, e-EFKA social security, with optional age and children tax profiles that reduce your effective tax rate.
Italy Net Salary Calculator
National IRPF brackets, INPS social security, and regional income surtax for an accurate Italian take-home pay estimate.
Germany Net Salary Calculator (Brutto-Netto-Rechner)
Uses the official 2025 and 2026 §32a EStG continuous formula (Einkommensteuer). Supports all 6 Steuerklassen including Class III Splittingverfahren for married couples. Includes Rentenversicherung (9.3%), Krankenversicherung (8.55%), Pflegeversicherung (1.7%/2.3%), Arbeitslosenversicherung (1.3%), and Solidaritätszuschlag for high earners.
Portugal IRS Salary Calculator
Progressive IRS brackets from 13.25% to 48% for 2025/2026. Includes Segurança Social (11%), €4,104 specific deduction for employment income, and solidarity surcharge (2.5% above €80,000, 5% above €250,000). Also supports the IFICI regime (NHR 2.0) flat 20% tax rate for qualifying new residents.
Poland Net Salary Calculator (Kalkulator Wynagrodzeń)
PIT tax with 12% bracket up to PLN 120,000 and 32% above, with kwota wolna (PLN 30,000 tax-free). ZUS social security contributions (13.71%, capped PLN 282,600) and health insurance (składka zdrowotna 9%, no cap). Supports the Ulga dla Młodych PIT exemption for workers under 26 (up to PLN 85,528) and commuter worker cost deduction.