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 40 countries.
Oliver Ferch launched NettoFlow in 2026 from Augsburg, Germany. The site covers the tax years 2024 to 2026 and is available in 28 languages.
Every calculation runs in the browser, and none of the tools require an account.
- Countries
- 40
- Languages
- 28
- 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.
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 40 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
40 countries in one model
NettoFlow uses the same inputs and the same result layout for all 40 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, Canadian provinces, and Spanish autonomous communities. 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 FerchFounder and developerAugsburg, Germany
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 guides.
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 [email protected].
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. Announced future rules, such as the German proposals for 2027 and 2028, carry a proposal label.
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.
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 40 countries |
| Price | Free, no account required |
| Countries | 40 |
| Tax years | 2024–2026 |
| Languages | 28 |
| Data handling | Calculations run in the browser; salary inputs are not sent to a server |
| Scope | Employment income; self-employment is not covered |
| Funding | Affiliate offers, shown only after advertising consent |
| Contact | [email protected] |
Frequently asked questions
What is NettoFlow?
NettoFlow is a free salary and tax calculator for employees and employers in 40 countries. Oliver Ferch launched it in 2026 from Augsburg, Germany. It covers the tax years 2024 to 2026 in 28 languages.
How much does NettoFlow cost?
NettoFlow is free, and none of its tools require an account. The site is funded by affiliate offers, which appear only after a visitor consents to advertising.
How is NettoFlow different from a single-country salary calculator?
NettoFlow runs 40 countries through one calculation model, so users can compare the same salary across borders with the same inputs. Each result also shows the total employer cost next to net pay.
Who founded NettoFlow?
Oliver Ferch, a software engineer based in Augsburg, Germany, founded NettoFlow in 2026. Oliver builds and maintains the tax models, the calculator, and the salary guides.
Which countries and tax years does NettoFlow cover?
NettoFlow covers 40 countries in Europe, the Americas, Asia, and Oceania for the tax years 2024 to 2026. Where payroll rules differ by region, such as Swiss cantons or US states, the calculator includes separate rule sets.
Does NettoFlow store my salary data?
No. NettoFlow calculates in the browser and does not send salary inputs to a server to produce a result. Inputs stay in the browser session, and a shared link contains only the values of that calculation.