This estimator calculates your take-home (net) pay from a gross figure using deduction percentages you supply — income tax, social or pension contributions, and anything else. Because you provide the rates, it works in any country and any currency, without relying on tax tables that go out of date.
How it works
Each deduction is treated as a flat percentage of gross pay and subtracted:
net pay = gross − (gross × total deduction % ÷ 100)
The tool adds up the income-tax, social/pension, and other percentages you enter to get a total (effective) deduction rate, applies it to your gross, and shows net pay per month and per year (converting by ×12 or ÷12). Real tax systems use bands and allowances, so this is a flat-rate approximation — accurate to the rates you enter.
Example
Gross pay of $5,000 per month, with 20% income tax, 8% social, and 2% other:
- total deduction rate = 20 + 8 + 2 = 30%
- deductions = 5,000 × 0.30 = $1,500
- net pay = 5,000 − 1,500 = $3,500 per month (≈ $42,000 per year)
| Item | Rate | Amount on $5,000 |
|---|---|---|
| Income tax | 20% | $1,000 |
| Social / pension | 8% | $400 |
| Other | 2% | $100 |
| Net pay | — | $3,500 |
Everything is calculated in your browser, so your numbers never leave your device.