How much of my salary actually reaches my bank account?
This page provides an illustrative salary calculator that demonstrates how gross salary, mandatory deductions, and employer costs interact under simplified assumptions (2025 data, rev.2026).
The calculator is intended to support understanding of structural salary mechanics. It helps explain how taxes and social contributions affect net pay, and how employment costs are distributed between employee and employer.
The calculator presents salary from two interconnected perspectives: the employee perspective and the employer perspective. These perspectives are structurally related but not identical. From the employee perspective, gross salary serves as a reference value from which mandatory deductions are calculated. These deductions typically include income taxes and compulsory social‑security contributions. The remaining amount is shown as net pay. When the employer cost view is enabled, the calculator shows the employer perspective. In this view, salary is accompanied by additional mandatory employer‑borne contributions. These payments do not increase employee income. Taken together with gross salary, they form the total labour cost of employment. Identical gross salaries can result in different net pay and total labour costs across systems. These differences reflect institutional design choices about taxation and social‑security financing, not calculation errors.
The calculator applies standardized country-specific tax and social contribution models to a selected gross salary.
Employee deductions are estimated to derive net income, while employer-paid contributions are used to estimate total labour cost when the employer-cost view is enabled.
The purpose is to provide a consistent comparative framework for understanding salary structures rather than a personalised payroll calculation.
Gross salary is the contractual salary before taxes and social contributions. Net salary is the amount remaining after mandatory deductions.
Countries use different tax systems, contribution rates, thresholds and financing models, which affect both net income and employer cost.
No. The calculator is intended for educational and comparative purposes and uses standardized assumptions rather than individual tax situations.
Employer cost represents the total employment cost, including gross salary and employer-paid social contributions.
Calculations are performed locally in your internet browser using documented and compliant assumptions. No input or calculated data is stored or transmitted outside your device.
This calculator is illustrative. It does not account for personal circumstances, household composition, contractual arrangements, or eligibility conditions.
The results are not authoritative or legally binding. The purpose of this tool is to support structural understanding of how salary, deductions, and employment costs relate within an employment system.
This calculator is not payroll software and does not calculate individual obligations, applicable tax rates, or legally binding amounts. It does not account for personal circumstances, contracts, exemptions, or temporary national measures. Calculator does not replace official calculations or professional advice.
The calculations are based on publicly available taxation, labour market, and social contribution information from European and international sources.