Salary & tax calculators by country

See how a direct employer SIPP contribution from your limited company compares to taking money as a dividend or salary. Calculates Corporation Tax saved, NI avoided, and the pension wealth multiplier using 2026/27 rates.

£20K direct SIPP vs £11.5K dividend: 1.74× more in pension

Calculate your exact UK net pay after Income Tax (20% / 40% / 45%) and Class 1 NI using 2026/27 HMRC rates, including Personal Allowance tapering above £100,000. Model a pension salary sacrifice to see how much it takes to restore your full allowance.

£60K gross → ~£45.4K take-home

Calculate your exact take-home pay if you live in Scotland. Uses all six Scottish income tax bands (19% starter to 48% top rate) including the 42% higher rate. Shows side-by-side difference vs England and Wales.

£60K gross → £43.6K Scotland vs £45.4K England

Plan your optimal UK limited company extraction strategy for 2026/27. Compare salary, dividend and employer SIPP routes side by side, with corporation tax, personal allowance taper, SIPP annual allowance warnings and Marriage Allowance.

£600/day → £12.6K salary + £60K SIPP + dividends on the rest

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer UK → £75K–£100K band, £100K employer cost

Calculate how much company cash you can route into your PRSA completely free of BIK tax. Compares pension wealth vs salary extraction with Corporation Tax and BIK calculations. Includes an Auto-Enrolment mode for employees under My Future Fund.

€50K PRSA vs €23.9K salary: pension creates 2.09× more wealth

Enter any gross salary and see your exact net take-home after Income Tax (20% / 40%), USC, and PRSI, broken down band by band using 2026 Budget rates.

€85K gross → ~€55K take-home

Compare net take-home across all three Irish contractor structures for any day or hourly rate. Includes pension, marital status, retention rate, and permanent equivalent salary.

€450/day sole trader → ~€69K take-home

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Calculate your exact Australia take-home pay for 2026-27. See Income Tax and the Medicare Levy broken down bracket by bracket, plus your employer's superannuation contribution shown separately (it's never deducted from your pay).

A$150K gross → A$116K take-home + A$18K employer super

Calculate your compulsory HECS/HELP repayment for 2026-27 under the marginal repayment system. See your repayment band by band, plus an indexation-adjusted years-to-clear projection.

$85K salary, $30K debt → $2,321/yr repayment (15% band)

See how much a novated lease reduces your take-home pay. Compare a fully FBT-exempt EV against a standard petrol/diesel car under the Employee Contribution Method, with 2026-27 luxury car tax and FBT rules built in.

$100K salary, $15.5K/yr EV lease → fully pre-tax, no FBT

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Calculate your exact Ontario take-home pay for 2026. See federal tax, Ontario tax, the Ontario Surtax, Ontario Health Premium, and CPP/CPP2/EI broken down band by band.

CA$150K gross → CA$108K take-home Ontario

See exactly how much tax the CRA bonus method withholds from your Ontario bonus, and why the true final rate is just your normal marginal rate.

CA$130K salary + CA$20K bonus → 43.4% withheld ($8,682)

Enter your Ontario salary and RRSP contribution to see your tax refund at your marginal rate, the net cost of contributing, and estimated 2026 contribution room.

CA$150K salary + CA$15K RRSP → CA$6,511 refund (43.4%)

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

See your Singapore take-home pay after Income Tax and CPF. Foreigners on an Employment Pass or S Pass pay zero CPF — see exactly how that compares to a Citizen/PR on the same salary.

S$150K gross → S$130K take-home (Employment Pass, 0% CPF)

See the CPF-adjusted net amount of your Singapore bonus or AWS (13th-month), including the Additional Wage ceiling that limits how much attracts CPF.

S$8,000 bonus on S$8,000/mo salary

CPF employer contribution, Skills Development Levy (SDL), and Foreign Worker Levy (FWL), broken out by pass type: Citizen/PR, Employment Pass, S Pass, or Work Permit.

S$6,000/mo Employment Pass hire → +CPF/SDL cost

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Hong Kong charges Salaries Tax two ways — progressive bands or a flat standard rate — and applies whichever is lower. See your exact take-home and MPF contribution.

HK$600K gross → HK$507K take-home (progressive method)

Calculate Severance Pay or Long Service Payment split into the pre-1-May-2025 portion (still offsettable against accrued employer MPF) and the post-transition portion (paid in full, in cash).

8 yrs service, redundancy → two-portion cash payout breakdown

See the real annual cost of hiring in Hong Kong on top of salary: mandatory 5% employer MPF (capped), plus the post-MPF-offsetting-abolition severance/LSP exposure employers can no longer fully offset.

HK$25,000/mo → +HK$1,500/mo MPF + severance accrual

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

The UAE has no personal income tax, so your take-home is your full gross salary. See your net pay and how much end-of-service gratuity you'd build up over time.

AED 300K gross → AED 300K take-home (0% tax)

See the real annual cost of hiring in the UAE on top of a quoted package: mandatory health insurance, visa and labour card fees, gratuity accrual, and GPSSA for UAE nationals.

AED 300K package → +4-10% employer cost (expat)

Split your UAE offer into basic salary, housing, and transport allowance, and see exactly how the split changes your real gratuity entitlement, not just take-home.

Same AED 30K package, gratuity differs by split

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

See your exact New Zealand take-home pay after IRD income tax and the ACC Earner's Levy, with a KiwiSaver contribution-rate selector so you can see exactly how much it reduces your pay.

NZ$130K gross → NZ$97K take-home (3.5% KiwiSaver)

Calculate your compulsory New Zealand student loan repayment: IRD deducts 12% of every dollar you earn above the $24,128 annual threshold, layered on top of income tax, the ACC Earner's Levy, and KiwiSaver.

NZ$65K salary → NZ$4,905/yr student loan repayment

Work out the correct PAYE on a redundancy or lump-sum payment using IRD's "extra pay" method: your regular salary sets the marginal rate, only the lump sum is taxed at it, and no ACC levy or KiwiSaver applies.

NZ$90K salary + NZ$20K redundancy → NZ$16,500 net (17.5%)

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Calculate your exact Germany take-home pay for 2026 using the real §32a EStG progressive income tax formula (not flat bands), plus the Solidarity Surcharge, optional church tax, and all four employee social insurance contributions.

€90K gross → €57K take-home (single, no church tax)

Enter both spouses' salaries and see the monthly withholding difference between Steuerklasse III/V and IV/IV, plus the real final annual tax liability under joint assessment.

€65K/€35K split → III/V shifts ~€520/mo more into higher earner's pay

See your reduced social insurance contributions under the 2026 Gleitzone formula (€603.01–€2,000/month), compared to what a standard employee at the same gross would pay.

€1,300/mo → pays ~€150/mo less social insurance than a standard employee

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Calculate your Netherlands take-home pay for 2026, with a dedicated 30% ruling toggle. See exactly how much the 30%-regeling is worth on your salary, band-by-band Box 1 tax, and the mandatory 8% holiday allowance.

€90K gross → €67K take-home with 30% ruling (vs €56K without)

Calculate your ZZP (self-employed) net income for 2026, with zelfstandigenaftrek, startersaftrek, and the MKB-winstvrijstelling applied correctly before Box 1 tax. See your exact net profit from revenue and business costs.

€80K revenue, €10K costs → €48K net profit (non-starter)

Calculate your Dutch vakantiegeld (holiday allowance) for 2026: the mandatory 8% amount, how it's taxed when paid in May, and your net take-home in the payout month vs a regular month.

€65K salary → €5,200 gross vakantiegeld, €3,247 net in May

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Calculate your exact Zurich, Switzerland take-home pay for 2026 across all three Swiss tax layers — federal, Canton of Zurich, and City of Zurich — plus AHV/IV/EO, ALV, and age-banded BVG pension contributions. Scoped to Zurich canton and city only.

CHF 150K gross → CHF 107K take-home (Zurich, single, age 30)

Choose your tariff code (A/B/C, single or married, with or without children) and enter your gross monthly salary to see your 2026 Quellensteuer withholding rate, net pay, and how it compares to ordinary assessment.

CHF 7,000/mo, Tarif A → 7.75% withheld → CHF 6,457/mo net

Enter the monthly figure quoted in a Swiss job offer and see the true annual gross, monthly cash flow, and net pay under both the 12-payment and 13-payment (13. Monatslohn) interpretations.

CHF 8,000/mo → CHF 96K (12x) vs CHF 104K (13x), an 8.3% gap

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Calculate your Spain take-home pay for 2026, including the Beckham Law flat-rate regime for qualifying foreign workers. Compare Beckham Law (24% flat) against standard progressive IRPF side by side.

€90K gross → €64K take-home under Beckham Law (vs €55K standard)

Enter your estimated annual net income as a Spanish autónomo and see your 2026 RETA cuota tier, annual Social Security cost, IRPF liability, and final take-home.

€50K net income → Tramo 14 (€514.61/mo cuota) → €31.9K final net

See your Spanish salary broken down both ways: the standard 14-payment structure (July/December pagas extra) versus a prorated-across-12 equivalent, including the withholding difference in bonus months.

€36K salary → €1,850 net in normal months, €3,068 net with paga extra

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Compare Poland's three B2B contractor tax modes side by side. Enter your monthly invoiced revenue and see net take-home under ryczałt, podatek liniowy, and skala podatkowa, including ZUS and NFZ health insurance.

PLN 18K/month B2B → best net under ryczałt vs liniowy vs skala

Compare umowa o pracę (standard employment) against B2B contracting at the same gross monthly figure for 2026, net take-home, ZUS, NFZ, and the real employer-side ZUS cost that only umowa o pracę carries, side by side.

PLN 23,250/mo → PLN 17,703 B2B vs PLN 14,216 UoP net

Calculate net income from umowa zlecenie (contract of mandate) for 2026, including the correct ZUS and PIT treatment for workers under 26 (full Ulga dla Młodych exemption) and standard ZUS rules for age 26 and over.

PLN 6,000/mo under 26 → PLN 6,000 net (fully exempt)

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Calculate your exact Japan take-home pay for 2026. Model your offer the way it's actually paid, monthly base salary plus summer and winter bonuses, and see national income tax, resident tax, and social insurance broken down.

¥8M gross → ~¥6.1M take-home (monthly base + bonus)

Enter last year's and this year's salary separately and see your actual resident tax bill, plus this year's national income tax for comparison.

¥6,000,000 salary → ~¥295,550/yr resident tax, based on LAST year's income

Enter your payout and years of service to see the retirement income deduction, the halved taxable amount, and how much lighter this is than being taxed as regular income.

¥10,000,000 payout, 15 years service → ~¥304,652 tax (3.0%), vs ~¥2,801,044 (28%) as regular income

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Saudi Arabia has no personal income tax. See your full take-home pay as an expatriate, or your net pay after GOSI social insurance if you're a Saudi national.

SAR 300K gross → SAR 300K take-home (expatriate, 0% tax)

Calculate your exact Saudi end-of-service benefit: half a month's wage per year for your first 5 years, a full month's wage after that, uncapped. Toggle resignation vs termination for the Article 85 reduction, plus your GOSI-adjusted take-home if you're a Saudi national.

SAR 240K, 6 years, terminated → SAR 90K EOSB award

Calculate the true annual cost of a Saudi Arabia hire beyond gross salary: GOSI employer contribution (11.75% Saudi national, 2% expatriate) and the ongoing Article 84 end-of-service benefit liability you should be provisioning for, plus Nitaqat/Saudization context.

SAR 180K salary, year 3 → ~1.16× cost multiplier (expatriate)

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21