Gross to Net Salary Calculator
Convert your gross salary to net take-home pay after taxes and social contributions.
Results are estimates for informational purposes only and do not constitute financial, legal, or medical advice.
Our gross to net salary calculator shows exactly how much money you take home after all mandatory deductions — income tax, social security, health insurance and other contributions. Supports 24 countries including Ukraine, Russia, Belarus, Kazakhstan, Azerbaijan, Georgia, Armenia, Moldova, Uzbekistan, Kyrgyzstan, Germany, France, Belgium, Switzerland, Netherlands, Poland, Czech Republic, Lithuania, United Kingdom, USA, Canada, Australia, Ireland and New Zealand. Enter your salary as monthly, annual, or per hour — the calculator converts automatically and shows your net income per hour, month, and year.
Understanding the difference between gross and net salary is essential for job offer comparisons, salary negotiations, and financial planning. The gap between gross and net varies significantly by country — in high-tax countries like Germany or Belgium, the difference can be 40–50%, while in lower-tax countries it may be 20–30%.
Frequently Asked Questions
What is the difference between gross and net salary?
Gross salary is your total earnings before any deductions. Net salary (take-home pay) is what you receive after income tax, social security contributions, and other mandatory deductions are subtracted.
Which deductions are calculated?
The calculator includes employee-side income tax (using current progressive brackets per country) and mandatory employee social insurance contributions such as pension, health, and unemployment insurance. Employer-side contributions are not shown.
Why does net salary differ so much between countries?
Each country has its own income tax structure (flat or progressive, tax-free thresholds, credits) and different social insurance rates. For example, Lithuania has a combined employee rate of ~19.5%, Germany ~35–40%, while Ukraine is ~23% (18% income tax + 5% military levy).
Is the calculation exact?
Results are a close approximation for a single employee with no special deductions. US state income tax, German church tax, tax credits for children and dependants are not included. For exact figures, consult your payroll or HR department.
What is the gross-to-net ratio?
The gross-to-net ratio shows what percentage of gross salary you keep. For example, if your gross is £50,000 and net is £37,000, the ratio is 74% (you keep 74 pence of every £1 earned). This varies by country and income level — higher earners typically have a lower ratio.
Can I enter my hourly rate directly into the calculator?
Yes! Select "Per hour" in the salary period selector and enter your gross hourly rate. The calculator uses 2,080 working hours per year (40 h/week × 52 weeks) as the standard annual base. Results show your net income per hour, per month, and per year simultaneously. For part-time work (e.g. 20 h/week), multiply the annual net result by your share of full-time hours (20/40 = 0.5).
What is the employer's total cost on top of gross salary?
Employers pay additional social security contributions on top of your gross salary. These vary by country: UK ~13.8% employer NIC above the threshold; Germany ~20% total employer social contributions; France ~40–45% on top of gross; Lithuania ~1.77% employer contributions; USA ~7.65% (FICA). This is why salary negotiation and CTC (cost-to-company) matter.
How does Lithuania's gross-to-net salary work?
In Lithuania (2024–2025): employee pays 19.5% social insurance (12.52% + 6.98% health) and 20% GPM income tax. The non-taxable allowance (NPD) reduces the tax base for lower incomes. For a gross salary of €2,000/month, net is approximately €1,360–€1,380 after all deductions.
What is the difference between CTC and gross salary?
CTC (Cost to Company) = Gross salary + Employer-side contributions + Benefits. Gross salary is what's in your contract. Net salary is what hits your bank account. CTC is commonly used in India, UK (some firms), and when negotiating total compensation packages.
How do bonuses affect net salary?
Bonuses are typically taxed as income in the month they are paid, which may push you into a higher marginal tax bracket for that month. Some countries allow spread taxation or treat bonuses separately. In the UK, PAYE applies to bonuses; in Germany, bonuses use a reduced "Fünftelregelung" rate in some cases.