Enter a gross annual salary and compare the approximate net (take-home) pay you would get in the UK, the USA, Germany, and Spain, each taxed under that country's own rules. This is an estimate for a single person with no dependants, based on 2025 tax and social-security rules — not tax advice.
Your amount is converted to each country's own currency at today's exchange rate before that country's tax rules are applied — see "How it's calculated" below.
| Country | Gross (converted) | Net (take-home) | Effective tax rate |
|---|---|---|---|
| United States | — | — | — |
| United Kingdom | £60,000.00 | £45,357.40 | 24.40% |
| Germany | — | — | — |
| Spain | — | — | — |
Your amount is entered in your selected currency, then converted to each country's own currency using the site's current exchange rate before that country's tax rules are applied — this tool does not assume a fixed exchange rate. Each country then works out net pay as: Net pay = Gross pay − Income tax − Payroll/social-security contributions, using simplified 2025 rules for a single filer with no dependants:
UK: income tax (personal allowance, then 20%/40%/45% bands) plus Class 1 National Insurance (8% then 2%). The personal-allowance taper above £100,000 is not modelled.
USA: federal income tax only (no state or local tax, which varies a lot by state), on gross minus the $15,750 standard deduction, plus Social Security (6.2%, capped) and Medicare (1.45%, plus 0.9% above $200,000).
Germany: pension, health, unemployment, and long-term-care contributions (employee's own share) are deducted first, along with a flat employee allowance, then a simplified version of the progressive income-tax formula is applied to what remains.
Spain: Social Security contributions and a flat general expense allowance are deducted first, then a representative national IRPF scale (state plus a typical regional rate) is applied to what remains — actual regional rates vary slightly.
As an illustration (not the live tool's currency-converted result, which depends on today's exchange rate): the same nominal amount, 60,000, taxed under each country's own rules in its own currency, comes out to roughly £45,360 net in the UK (24.4% effective rate), $50,340 net in the USA (16.1%), €37,820 net in Germany (37.0%), and €40,570 net in Spain (32.4%). The gap between countries comes almost entirely from how much is deducted before tax (Germany and Spain deduct social contributions from the tax base; the UK and USA do not) and how steep each country's own rates are.
Neither — it's an approximate estimate for a single person with no dependants, using simplified 2025 rules. Real take-home pay depends on your exact circumstances (marital status, dependants, region/state, specific deductions, health insurance choices, and more) that this tool doesn't model. Use it to get a rough sense of scale when comparing countries, not as a substitute for a real payroll calculation or professional tax advice.
Because your entered amount is converted to each country's own currency using the site's current exchange rate before it's taxed, and exchange rates move over time — this isn't a bug. If a rate is temporarily unavailable, that one country's row shows "—" instead of a wrong number.
Mainly two things: how much of your gross pay is deducted (as social contributions or allowances) before income tax is even calculated, and how steep each country's own tax brackets are at that income level. Germany and Spain, for example, let you deduct your own social-security contributions from the amount that gets taxed, which meaningfully lowers the tax versus taxing the full gross amount.
No — only the England/Wales/Northern Ireland income tax bands and National Insurance are modelled (Scotland has its own, different income tax bands, not included here). German church tax (8–9% of income tax, for registered church members only) isn't included either. Both would change net pay further where they apply.
For information only. This is not financial or tax advice.