About Nettoflow
Nettoflow is a free salary and tax calculator that shows employees and employers the net pay, taxes, and total employment cost of a salary in 50 countries.
Oliver Ferch launched Nettoflow in 2026 from Augsburg, Germany. The site covers the tax years 2024 to 2026 and is available in 36 languages.
Every calculation runs in the browser, and none of the tools require an account.
- Countries
- 50
- Languages
- 36
- Tax years
- 2024–2026
- Price
- Free
What Nettoflow does
Salary calculator
The calculator turns a gross salary into net pay and lists income tax, each social contribution, and the employer contributions. One related page works back from a target net pay to the gross salary it needs; another shows how much of a raise or bonus is left after deductions.
Employees see what reaches their account, and employers see what the position costs.
Income flow diagram
A Sankey diagram splits the gross salary into proportional streams for income tax, social contributions, net pay, and budget categories.
Users see at a glance where each part of the salary goes.
Tax rate statistics
Charts plot the average and marginal tax rate at every income level for the selected country and year.
Users can check how much of a raise they keep and at what income each bracket starts.
Country comparison
The comparison places net pay, income tax, social security, and employer cost for one salary side by side for two countries.
People weighing a move abroad or a job offer from another country see both results in one view.
Tax burden ranking
The ranking applies one salary to all 50 countries and orders them by income tax, social contributions, and employer cost.
It shows where the same salary is taxed most and least.
Budget planner
The budget planner divides net pay into spending categories such as housing, food, and transport and applies the local VAT rates.
The result is the purchasing power left after taxes and everyday spending.
What makes Nettoflow different
50 countries in one model
Nettoflow uses the same inputs and the same result layout for all 50 countries. Users enter a salary once and can compare it across any two of them.
Employer cost next to net pay
Each result lists the employer social contributions and the total cost of employment along with take-home pay.
Calculations stay in the browser
The tax engine runs on the device. Nettoflow does not send salary inputs to a server to produce a result.
Regional rules and several tax years
Regional rule sets cover Swiss cantons, US states and local income taxes, Canadian provinces, Spanish autonomous communities, Italian regions, the Azores and Madeira, Scottish income tax, and the church tax rate of each German state. The tax years 2024 to 2026 can be compared in the same tool.
Free and without an account
All tools are free to use without registration. A shared link reproduces the exact same calculation for anyone who opens it.
Who uses Nettoflow
Nettoflow is built for questions about employment income:
- Employees checking a payslip, a raise, or a job offer
- People planning a move abroad who compare net pay between countries
- Employers, founders, and HR teams estimating the full cost of a hire
- Recruiters preparing salary offers across borders
- Students, journalists, and researchers comparing tax systems
The team behind Nettoflow
Oliver Ferch is a software engineer based in Augsburg, Germany, and the founder of Nettoflow. Oliver writes the tax models, the calculator, and the salary articles.
Nettoflow started in 2026 after Oliver Ferch found that most salary calculators covered a single country and left out the employer side. The aim was one tool that shows net pay and total employment cost for many countries with the same inputs.
Nettoflow is an independent project run from Augsburg. Questions and corrections go to info@nettoflow.com.
How Nettoflow works
Choose a country and language
The locale in the address, such as /de-de, sets the tax rules and the page language.
Enter the salary and personal details
Gross salary, tax year, region, and country inputs such as the German tax class shape the result.
Nettoflow applies that year’s rules
Tax brackets, social contribution rates, and ceilings come from official publications of the tax authorities for the selected year.
Read and share the result
Net pay, each deduction, and the employer cost appear together. The share button creates a link that reproduces the calculation.
Nettoflow updates the tax parameters when a country publishes new values for a year. The next tax year (2027 for every country, and 2028 for Germany) is already available with an estimate label: amounts not yet published repeat the previous year’s values, and changes still before parliament follow the latest draft.
Nettoflow models employment income. Self-employment, freelance tax filing, and wealth taxes are outside its scope. Results are estimates for information and do not replace advice from a tax advisor.
How Nettoflow checks its calculations
Nettoflow keeps an evidence record for every country and tax year that names the official sources behind its rates, thresholds, and ceilings. Automated tests compare the results with reference values worked out independently, and a change goes live only after the required checks have passed.
- Country-years with an evidence record
- 201
- Source links in the evidence records
- 1,600+
- Automated tests
- 8,000+
- Accessibility checks
- 600+
An evidence record for every country and year
Each record names the publisher, the document, and the exact article, table, or page behind a value, with the date it was checked. It also lists the worked examples the tests use and any gaps in the evidence.
Reference values from outside the code
A test that reads the same settings as the calculator can only confirm itself. The calculation tests therefore also compare results with values derived separately from the law: worked examples and tables published by tax authorities, and statutory formulas calculated step by step outside the engine.
Checks before every release
Code and security
Linting, formatting, and type checks, a scan for leaked secrets, and an audit of third-party packages.
Calculations
Unit tests for all 50 countries check rates, ceilings, and rounding against the reference values.
Translations
Each of the 36 languages must contain every text before a change can ship.
Interface
Components render in a real browser and must pass automated accessibility checks; screenshot comparisons flag visual changes for review.
Pages
End-to-end tests open the site in a browser and use it as a visitor would. A second run in WebKit, the engine behind Safari, loads every language version.
Release
The site is deployed only when all of these checks have passed.
Key facts
| Name | Nettoflow |
|---|---|
| Type | Salary and tax calculator (web application) |
| Founded | 2026 |
| Founder | Oliver Ferch |
| Headquarters | Augsburg, Germany |
| Website | nettoflow.com |
| Core offering | Gross-to-net salary calculation with employer costs for 50 countries |
| Price | Free, no account required |
| Countries | 50 |
| Tax years | 2024–2026 |
| Languages | 36 |
| Data handling | Calculations run in the browser; salary inputs are not sent to a server |
| Scope | Employment income; self-employment is not covered |
| Funding | Google AdSense ads and affiliate commissions; ads and partner banners load only after advertising consent |
| Contact | info@nettoflow.com |
Frequently asked questions
Why can my payslip differ from the result in Nettoflow?
Nettoflow models a regular salary with the settings you enter. A payslip can also include one-off payments, benefits in kind, and deductions only your employer knows about, and monthly withholding can even out over the year. The result is an estimate for information, not tax advice.
What happens when tax rules change?
Each tax year uses the official rates and thresholds published for that year. Years with amounts not yet published or rules not yet law carry the label “Estimates” in the year menu until the official figures appear.
Can I use Nettoflow to weigh a job offer abroad?
Yes. The comparison takes a salary for each country, so you can enter the offer and your current pay side by side. Amounts are converted at current exchange rates, not purchasing power, and living costs such as rent are not included.
Does Nettoflow cover self-employment?
No. Nettoflow models income from employment. Self-employment, freelance income and business profits follow different rules and are outside its scope; a tax advisor can help with those.
How do I report a mistake or ask for a new country?
Write to info@nettoflow.com with the country, the tax year and the figure you expected. Every report is checked against the official sources.
Can I save a calculation?
There are no accounts, so nothing is stored for you on a server. To keep a calculation or send it to someone, use “Share Link”: the link holds the values of that calculation and opens it again.