Gross to Net Salary Calculator
Your gross salary is what your employment contract states; your net salary is what you actually receive in your account after tax and pension. This calculator converts gross to net using your average tax rate (from your payslip) and includes holiday allowance.
結果
￥2,394
Net per month
- Net per year (incl. holiday)
- ￥28,929.6
- Tax withheld per month
- ￥1,406
- Pension per month
- ￥200
How this was calculated
- 1Subtract the pension contribution￥4,000 − ￥200 = ￥3,800
- 2Calculate income tax￥3,800 × 37% = ￥1,406
- 3Net = taxable amount minus tax
公式
Net monthly = (Gross − Pension) × (1 − Tax rate %)
Your gross salary is first reduced by the pension contribution (tax-deductible), then your average tax rate is applied. Holiday allowance (usually 8% paid separately in May/June) is taxed like regular salary, so you receive it net.
ステップ解説
- 1Enter your monthly gross salary (the amount on your employment contract).
- 2Enter your average tax rate (found on your payslip: withheld tax ÷ gross).
- 3Enter your pension contribution as a percentage of gross (usually 3–12%).
- 4Choose whether you receive holiday allowance separately or it's already in the gross amount.
計算例
€ 4,000 gross, 37% tax, 5% pension, holiday pay separate
→ Net ≈ € 2,394/month + € 215 holiday in May. Total per year ≈ € 29,703
€ 3,000 gross, 32% tax, 8% pension, holiday already included
→ Net ≈ € 1,776/month. Total per year ≈ € 21,312 (holiday already in amount).
€ 5,500 gross, 42% tax, 3% pension, holiday separate
→ Net ≈ € 3,010/month + € 308 holiday. Total per year ≈ € 37,508
Reference table
| Gross salary | At 30% tax | At 40% tax |
|---|---|---|
| € 3,000 | € 1,890 | € 1,620 |
| € 4,000 | € 2,520 | € 2,160 |
| € 5,000 | € 3,150 | € 2,700 |
Note: this table assumes 5% pension and 8% holiday pay separate. Your actual net depends on your specific situation and local tax rules.
よくある間違い
- Counting holiday allowance twice: both in the monthly amount and again separately in May/June — it's only paid once.
- Confusing the marginal tax rate with your average rate — find your average by dividing withheld tax by gross.
- Not accounting for tax credits or work allowances — these can raise your net pay and are implicitly in your average rate.
活用シーン
- Translating a new job offer salary into what you actually keep each month.
- Calculating the impact of a higher pension contribution on your net pay.
- Budgeting based on net income (not gross) for household planning.
よくある質問
Where do I find my average tax rate?
On your monthly or annual payslip, you can see the total tax withheld. Divide that by your gross salary to get your average rate. Example: € 1,500 withheld ÷ € 4,000 gross = 37.5% average rate.
What about tax credits and work allowances?
Tax credits and work allowances automatically lower your tax and are implicit in the rate you see on your payslip. When you enter that figure, you've already included them. This calculator uses the rate actually applied to your pay.
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