Salary Calculator – See Where Your Money Goes
NettoFlow is a free, privacy-focused salary calculator that shows you exactly how your gross salary is split between income tax, social security contributions, and your take-home pay. Whether you are evaluating a job offer, planning your budget, or comparing salaries across countries, NettoFlow provides accurate, up-to-date calculations for 23 countries based on official tax law.
How does the calculator work?
Enter your gross salary, select a country and tax year, and adjust personal parameters such as your age, marital status, tax class, and insurance preferences. NettoFlow instantly calculates your net salary by applying the current official tax brackets and contribution rates. All inputs stay in your browser only — no data is ever transmitted.
What deductions does NettoFlow calculate?
- ·Income tax based on progressive tax brackets
- ·Solidarity surcharge (Germany, above specific income thresholds)
- ·Pension, health, long-term care, and unemployment insurance contributions
- ·Church tax (Germany and Austria, optional)
- ·Employer social security contributions and total employment cost
- ·VAT and consumption taxes within the integrated budget planner
Who is this calculator for?
- ·Employees who want to understand and verify their pay slip
- ·Job seekers evaluating salary offers before signing a contract
- ·Employers and HR teams calculating total staff costs
- ·Expats and professionals comparing job offers across different countries
- ·Students and career starters planning their finances
More features
- ·Income flow diagram (Sankey): Visualises where every euro of your salary goes
- ·Country comparison: Compare net salary, tax burden, and employer costs across 23 countries
- ·Tax statistics: Shows average and marginal tax rates by income bracket
- ·Budget planner: Plan monthly expenses and calculate the VAT included in each category
- ·Share function: Save and share your calculation as a URL