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 2026 tax and social-security rules — not tax advice. For Germany you can also choose the tax class, church tax and children, and see every deduction per month.
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 | US$79,479.04 | US$64,743.51 | 18.54% |
| United Kingdom | £60,000.00 | £45,357.40 | 24.40% |
| Germany | €71,039.55 | €43,151.23 | 39.26% |
| Spain | €71,039.55 | €47,936.34 | 32.52% |
No exchange rate is available right now for your selected currency, so the amount can't be converted. Choose another currency at the top of the page (for example GBP or EUR).
| per year | per month | |
|---|---|---|
| Gross salary | €71,039.55 | €5,919.96 |
| Income tax | €12,581.00 | €1,048.42 |
| Solidarity surcharge | €0.00 | €0.00 |
| Church tax | €0.00 | €0.00 |
| Pension insurance | €6,606.68 | €550.56 |
| Unemployment insurance | €923.51 | €76.96 |
| Health insurance | €6,103.13 | €508.59 |
| Long-term care insurance | €1,674.00 | €139.50 |
| Net salary | €43,151.23 | €3,595.94 |
Estimate for 2026 on an annual basis. Class III assumes the spouse has no income of their own; class II needs at least one child. Not included: tax classes V and VI, child allowances in the solidarity surcharge and church tax, midijobs up to €2,000 a month and personal allowances.
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. The one exception is the Toman: with Toman selected, the tool takes the salary in euro, because there is no stable, reliable Toman exchange rate to convert with. Each country then works out net pay as: Net pay = Gross pay − Income tax − Payroll/social-security contributions, using simplified 2026 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%). Above £100,000 the personal allowance shrinks by £1 for every £2 of income, as it does in reality.
USA: federal income tax only (no state or local tax, which varies a lot by state), on gross minus the $16,100 standard deduction, plus Social Security (6.2%, capped) and Medicare (1.45%, plus 0.9% above $200,000).
Germany: the employee's share of pension, health, unemployment, and long-term-care contributions is deducted from pay. Pension, health, and care contributions also reduce taxable income, together with the flat employee allowances; the official 2026 income-tax formula is then applied, plus the solidarity surcharge on high incomes. Church tax is added only if you select it in the detailed result for Germany below.
Spain: Social Security contributions and a flat general expense allowance (plus the extra reduction for low earnings) are deducted first, then a representative national IRPF scale (state plus a typical regional rate) is applied to what remains, minus the tax-free personal allowance of €5,550 — actual regional rates vary somewhat.
Below the country comparison, the German result is broken down into income tax, solidarity surcharge, church tax and the four social insurance contributions, per year and per month. You can choose the tax class (I, II, III or IV), church tax (8% in Bavaria and Baden-Württemberg, 9% elsewhere) and the number of children under 25. Children lower the long-term care contribution: without children it is 2.4%, with one child 1.8%, and from the second to the fifth child it falls by another 0.25 points each. Class III uses the splitting tariff for a married couple where only one partner earns.
Every figure was checked against these official sources on 23 September 2026; the options for Germany (tax class, church tax, children) were added on 9 October 2026.
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), $50,390 net in the USA (16.0%), €37,550 net in Germany (37.4%), and €41,440 net in Spain (30.9%). 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 2026 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.
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) is added only if you select it in the detailed result for Germany. Both change net pay where they apply.
Class I is for single people; class II adds the relief for single parents (€4,260 a year for the first child, €240 more for each further child); class III is for married couples where one partner earns little or nothing and uses the splitting tariff, which lowers the tax considerably; class IV is for married couples who both earn and taxes like class I. On €60,000 a year, class I leaves about €3,129 net a month and class III about €3,511.
For information only. This is not financial or tax advice. How we build and check our calculators · Report an error