European Net Salary Estimator
Enter a gross salary, pick a country, and see take-home pay broken down by year, month, week, day and hour. United Kingdom, Germany, France, Italy, Spain, Netherlands, Belgium, Ireland, Portugal, Poland, Sweden, Austria are modelled line by line from their real statutory rules โ including their tax credits, contribution ceilings and social-insurance bands โ while the remaining countries use an effective deduction rate and are estimates.
Estimate your take-home pay
โฌ26,893 net / year ยท โฌ2,241 / month
| Gross | โฌ40,000 | 100% |
| Income tax + solidarity surcharge | โโฌ4,407 | 11% |
| Social insurance | โโฌ8,700 | 22% |
| Net take-home | โฌ26,893 | 67% |
Computed from the 2026 ยง32a EStG tariff plus the four statutory insurances, each with its own contribution ceiling. Assumes tax class I, no church tax, statutory health insurance at the 2.9% average Zusatzbeitrag and the childless long-term-care rate (2.4%). Church tax, children, private health insurance, 13th/14th salaries and the Saxony care split are not modelled. Full rates for Germany โ
Period figures assume โฌ1/12 per month and a standard 40-hour, 5-day, 52-week year. Adjust hours & weeks โ
Share of gross kept, by country
Take-home as a share of gross, computed at one representative salary per country in that countryโs own currency and ranked from least to most deducted. Rows marked * come from a real statutory model; the rest are effective-rate estimates, so treat small gaps between those rows as noise rather than a ranking.
| # | Country | At gross | Keeps | Deducted |
|---|---|---|---|---|
| 1 | ๐ท๐ด Romania | lei100,000 | 85% | 15% |
| 2 | ๐ณ๐ฑ Netherlands * | โฌ40,000 | 84% | 16% |
| 3 | ๐ฎ๐ช Ireland * | โฌ40,000 | 84% | 16% |
| 4 | ๐ง๐ฌ Bulgaria | ะปะฒ40,000 | 82% | 18% |
| 5 | ๐ฌ๐ง United Kingdom * | ยฃ40,000 | 81% | 19% |
| 6 | ๐ธ๐ช Sweden * | kr400,000 | 81% | 19% |
| 7 | ๐จ๐ฟ Czech Republic | Kฤ880,000 | 80% | 20% |
| 8 | ๐จ๐ญ Switzerland | CHF42,000 | 78% | 22% |
| 9 | ๐ช๐ช Estonia | โฌ40,000 | 78% | 22% |
| 10 | ๐จ๐พ Cyprus | โฌ40,000 | 78% | 22% |
| 11 | ๐ธ๐ฐ Slovakia | โฌ40,000 | 75% | 25% |
| 12 | ๐ฑ๐ป Latvia | โฌ40,000 | 75% | 25% |
| 13 | ๐ฒ๐น Malta | โฌ40,000 | 75% | 25% |
| 14 | ๐ช๐ธ Spain * | โฌ40,000 | 74% | 26% |
| 15 | ๐ซ๐ท France * | โฌ40,000 | 74% | 26% |
| 16 | ๐ฌ๐ท Greece | โฌ40,000 | 72% | 28% |
| 17 | ๐ต๐ฑ Poland * | zล120,000 | 71% | 29% |
| 18 | ๐ฆ๐น Austria * | โฌ40,000 | 71% | 29% |
| 19 | ๐ง๐ช Belgium * | โฌ40,000 | 70% | 30% |
| 20 | ๐ฎ๐น Italy * | โฌ40,000 | 70% | 30% |
| 21 | ๐ซ๐ฎ Finland | โฌ40,000 | 70% | 30% |
| 22 | ๐ญ๐ท Croatia | โฌ40,000 | 70% | 30% |
| 23 | ๐ฑ๐น Lithuania | โฌ40,000 | 70% | 30% |
| 24 | ๐ฑ๐บ Luxembourg | โฌ40,000 | 70% | 30% |
| 25 | ๐ต๐น Portugal * | โฌ40,000 | 69% | 31% |
| 26 | ๐ฉ๐ช Germany * | โฌ40,000 | 67% | 33% |
| 27 | ๐ญ๐บ Hungary | Ft6,000,000 | 67% | 33% |
| 28 | ๐ณ๐ด Norway | kr400,000 | 65% | 35% |
| 29 | ๐ธ๐ฎ Slovenia | โฌ40,000 | 65% | 35% |
| 30 | ๐ฉ๐ฐ Denmark | kr280,000 | 62% | 38% |
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