Salary Calculator — See Your True Take-Home Pay

    Calculate your exact net income with updated 2026 tax brackets for 15+ global hubs. Select a destination below to see how much of your gross salary actually lands in your bank account after local income tax, social security, and standard deductions.

    Are you a Freelancer or Digital Nomad?

    Don't use the standard employee tax calculator. Calculate your net income using specific B2B tax brackets, sole trader rules, and nomad visas.

    Open Nomad Tax Engine →

    Why Take-Home Pay Is More Complex Than It Looks

    A gross salary is a starting point, not a promise. Between your employer's payroll and your bank account sits a maze of income tax bands, social security contributions, standard deductions, and city-level levies that vary dramatically from one country to the next — and sometimes from one city to the next within the same country.

    A professional earning $100,000 in Miami keeps approximately $71,000 after federal tax and FICA — Florida has no state income tax. The same professional earning the same $100,000 in New York City keeps closer to $63,000, once federal, New York State, and New York City taxes are stacked. In London, £100,000 gross yields approximately £67,000 net under PAYE. In Paris, €100,000 gross yields approximately €57,000 after income tax and social security contributions. In Dubai, the same salary is yours entirely — the UAE levies no personal income tax.

    MoneyToolsGlobal was built to make these comparisons instant and accurate. Every calculation uses real progressive tax brackets, official social security rates, and standard deductions sourced from each country's tax authority — not flat-rate estimates. The results reflect what an employee on a standard employment contract would actually receive, updated for 2026.

    Select any city below to see a full breakdown by year, month, week, day, and hour. For digital nomads, freelancers, and contractors, use the Nomad Tax Calculator which applies B2B tax structures and special regimes such as Portugal's IFICI, Spain's Beckham Law, and the UAE's zero-tax environment.

    The 2026 Expat Financial Guides

    Planning a move? Read our comprehensive editorial guides covering local tax brackets, the true cost of housing, and how to maximize your wealth in the world's top expat destinations.

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    How Our Salary Calculator Works

    Our calculator uses real progressive tax brackets, social security contribution rates, and standard deductions for each country — not rough flat-rate estimates. For the USA we stack federal and state rates. For the UK we apply HMRC income tax bands plus National Insurance. For EU countries we include local social security contributions and standard deductions. Simply select a city and salary to see your full breakdown by year, month, week, day, and hour — both gross and net.

    Why Take-Home Pay Varies By City

    Tax rates vary significantly between countries and even between cities in the same country. Understanding your real take-home pay is crucial whether you are negotiating a job offer, planning a relocation as a digital nomad, or simply budgeting for the year. A $100,000 salary in Miami (no state income tax) results in a very different take-home pay compared to the same salary in New York (state + city tax) or San Francisco (California state tax). Our calculator accounts for these differences automatically.

    What's New

    March 2026

    Added Switzerland Taxes for Expats 2026 — covering the three-tier tax system, Quellensteuer, Eigenmietwert, and Pillar 3a planning for Zurich residents.

    March 2026

    Added The Netherlands 30% Ruling 2026 — including the 2024 reforms, salary cap, and phased reduction for new applicants.

    March 2026

    Launched Rent vs Buy Calculator — break-even analysis with year-by-year projections for all 15 cities, using verified 2026 mortgage rates and property prices.

    March 2026

    Updated all 15 city tax engines with 2025/26 tax brackets — including new UK National Insurance rates, Portugal's IFICI regime, and updated US federal standard deductions.

    February 2026

    Added Contractor vs Employee UK 2026 — full financial comparison including IR35, limited company vs umbrella, and break-even day rate analysis.

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