P45 & P60 and Payslip Documents (UK)
A P45 moves your tax position between employers. A P60 proves it at year end. Neither can be reissued, and both matter more than they look.
Read guide →Salary and tax guides
Hard figures on what employees actually keep after tax across 22 countries. No padding, and no averages presented without their context.
Salary Negotiation After Tax: Why the After-Tax Number is The Only One That Matters
Adding 200 euros a month to take-home pay needs a 4,830 kronor raise in Canada and a 5,665 euro raise in Finland. Same outcome, wildly different ask.
Read guide →Austria's 13th and 14th Salaries Taxed at Six Percent
On a 60,000 euro salary the arrangement is worth roughly 2,500 euros a year against a flat annual calculation. Nobody has to apply for it.
Read guide →The 183 Day Rule: How Tax Residency is Actually Decided
Counting days is the easy part. Permanent home, centre of vital interests and habitual abode are what actually decide the question when two countries both want the answer to be yes.
Read guide →Does Overtime Get Taxed More? What Really Happens to the Extra Hours
An hour of overtime in Amsterdam keeps 44% of itself. The same hour in Sydney keeps 68%. Neither country has an overtime tax.
Read guide →Lawyer Salary After Tax Comparison
A mid-career lawyer in New York nets the equivalent of 9,640 euros a month. The same seniority in Rome nets 2,697. The bar exam is what stands between them.
Read guide →Sweden Employer Contributions
Employing someone on 600,000 kronor costs 788,520. The 188,520 difference funds pensions, healthcare and parental leave, and never appears on a payslip.
Read guide →Six Figure Salary After Tax Comparison
A hundred thousand keeps 80.9% in Canada and 53.1% in Belgium. Converted into a common currency, the ranking changes again.
Read guide →Netherlands Holiday Allowance: the Dutch May payment and how it is taxed
Eight percent of annual salary, paid in May, taxed at the special rate. Whether it is extra money depends entirely on how your contract quotes the number.
Read guide →Teacher Salary After Tax Comparison (22 Country)
A mid-career teacher in Luxembourg nets 4,917 euros a month. The same career stage in Italy nets 1,998. Both teach roughly the same curriculum to roughly the same age group.
Read guide →13th Month Salary Europe: Which Countries Pay it and How it is Taxed?
Fourteen payments in Austria and Spain, thirteen in Italy and Switzerland, none at all in the UK and Ireland. Whether it is a bonus or a repackaged salary depends entirely on the country.
Read guide →Accountants Take-Home Pay Compared Across Twenty Countries
A qualified accountant in Zurich nets 6,205 euros a month. The same qualification in Milan nets 2,080. The tax systems account for less than a third of the difference.
Read guide →How to Read a Payslip: What Every Line On it Actually Means
Gross, taxable, net, year to date, employer cost. Five numbers that mean five different things, and the two lines most worth checking every single month.
Read guide →France Quotient Familial: how French Tax Rewards a Household
On 80,000 euros, a single person pays 14,765 in income tax and a married parent of three pays 2,861. Same salary, same job, same employer.
Read guide →Software Engineer Salary After Tax Comparison
A mid-career developer in Zurich keeps 7,756 euros a month. The same seniority in Milan keeps 2,286. Tax explains only part of a gap that large.
Read guide →Salary Sacrifice: When Giving Up Gross Pay Leaves You Better Off
A £5,000 pension contribution from a £55,000 salary costs £2,937 in take-home pay. The other £2,063 was never going to be yours.
Read guide →Denmark's 27% Expat Scheme: Who it Fits and Who it Does Not
On a DKK 1,000,000 salary the scheme is worth roughly 8,000 kroner a month. There is a salary threshold, and missing it by a hundred kroner costs all of it.
Read guide →Working Remotely From Another Country: The Tax Questions to Settle First
Thirty days is fine almost everywhere. Ninety days starts to matter. One hundred and eighty three days changes your tax residence, and possibly your employer's.
Read guide →Marginal Rate vs Effective Rate: Which Number Your Payslip Follows
A Dutch employee on 60,000 euros pays an effective 28% and a marginal 56%. Both figures are correct, and they answer completely different questions.
Read guide →The Nine US States With No Income Tax and What That is Really Worth
Moving from California to Texas on a $120,000 salary saves roughly $7,000 a year in state income tax. Texan property tax then asks for a good part of it back.
Read guide →German Tax Classes: How Your (Steuerklasse) Changes Your Monthly Pay
Six classes, one annual liability. Choosing badly does not cost you money over the year, but it can cost you the use of it for eleven months.
Read guide →Church tax in Germany: What it Costs and How to Stop Paying it
On a 70,000 euro salary, church tax costs about 1,100 euros a year. Leaving takes one appointment, a small fee and about twenty minutes.
Read guide →What your UK Tax Code Means: 1257L and Every Other Combination
The number is your tax-free allowance with the last digit removed. The letter says which rules apply. Between them they decide how much of every payslip you keep.
Read guide →TFR: the Italian Severance Pot Built Out of Your Salary
On a 35,000 euro salary the employer sets aside 2,418 euros a year. It is deferred pay, it is taxed favourably, and there is a decision attached to it that most employees make by default.
Read guide →Minimum Wage After Tax: What the Lowest Legal Pay Actually Leaves
A Dutch minimum wage worker keeps 95.1% of their salary. A German one keeps 71.1%. The gross figures are within 120 euros of each other.
Read guide →KiwiSaver Explained: What it Takes and What it Gives Back
Three percent from you, three percent from the employer, and a tax on the employer's share that most members never notice.
Read guide →Norway's Wealth Tax: What it Means for Salaried People
A threshold of around 1.76 million kroner, a rate near 1%, and a valuation system that treats a house very differently from a share portfolio.
Read guide →What Canada Income Tax Really Costs: Same Salary Different Province
On C$100,000, a British Columbian keeps C$663 a month more than a Quebecer. Neither province is doing anything unusual; they simply fund different things.
Read guide →Belgium Extras: Meal Vouchers, Company Cars and the Mobility Budget
A meal voucher worth 8 euros costs the employer 6.91 and would need 17 euros of gross salary to replicate. That arithmetic explains the entire Belgian benefits culture.
Read guide →Gross vs Net Salary: How to Work Out What You Actually Take Home
One number goes in the contract, a different one arrives in the bank. Here is what sits between them, and why an identical 60,000 euro salary leaves 690 euros a month more in Dublin than in Brussels.
Read guide →Beckham Law: Spain's 24% flat rate for new arrivals
On a 120,000 euro salary the regime is worth roughly 1,044 euros a month. On 60,000 euros it is worth almost nothing, which is the part nobody mentions.
Read guide →Double Taxation Agreements: How You Avoid Paying Tax Twice
Relief is real, but it is rarely automatic. Most of it has to be claimed, and the claim usually needs a certificate you can only get from the other country.
Read guide →How much is £50,000 after tax in the UK?
£39,520 a year, £3,293 a month, £760 a week. And a higher rate threshold sitting £270 above the salary, which is where the arithmetic gets interesting.
Read guide →How much is €70,000 after tax in Germany?
3,546 euros a month after five separate deductions. The unusual part is the marginal rate, which falls from 47.1% to 40.1% somewhere below this salary rather than rising.
Read guide →Doctor Salaries After Tax: Which Countries Pay Doctors the Most?
An American specialist nets the equivalent of 15,430 euros a month. An Italian one nets 3,527. The tax difference explains perhaps a fifth of that gap.
Read guide →Switzerland Pillar 3a: Most Used Tax Deduction
Around CHF 7,300 a year, deducted in full from taxable income. At a 30% marginal rate that is CHF 2,190 back, every year, for doing nothing complicated.
Read guide →Average Salary After Tax 22 Countries: What the Typical Worker Actually Keeps
The average Swiss worker nets three times the average Japanese one. The average German keeps a smaller share of a larger salary than the average Spaniard keeps of a smaller one.
Read guide →How much is €60,000 after tax in Ireland?
3,761 euros a month after PAYE, USC and PRSI. The marginal rate on the next euro is 48.1%, and it becomes 52.1% at 70,044.
Read guide →Nurse Salary After Tax: where the pay actually goes furthest
A registered nurse in Zurich nets the equivalent of 5,767 euros a month. In Milan the same role nets 1,868. Both figures are before rent.
Read guide →Emergency tax: why your first payslip is wrong and how to fix it
A missing tax number costs 52% withholding in the Netherlands, no allowance at all in the UK, and roughly a month of overpayment in Ireland. All of it is recoverable.
Read guide →Australia Superannuation: the 12% that never appears on your payslip
On an A$100,000 salary, superannuation adds A$12,000 a year on top of gross. Taxed at 15% going in rather than at 32%, which is the entire point.
Read guide →How much is C$80,000 after tax in Canada?
C$64,969 federally, then between C$3,900 and C$8,800 more depending on which province issues the payslip.
Read guide →How much is $100,000 after tax in the United States?
Federal tax and FICA take $21,110 from a $100,000 salary. State tax then takes anywhere from nothing to another $6,000, which is a larger spread than most raises.
Read guide →How much is A$90,000 after tax in Australia?
A$70,412 a year after income tax and the Medicare levy, plus A$10,800 of superannuation that never appears on the payslip at all.
Read guide →60,000 euros, 22 tax systems: where it stretches furthest
The same 60,000 euro salary pushed through all 22 tax systems on this site. Belgium leaves 3,071 euros a month, a no-tax American state leaves 4,131, and the year-end difference is 12,700 euros. The Nordics land nowhere near the bottom.
Read guide →The NHS nurse payslip is about £2,000 short of the headline
A Band 5 nurse on £32,073 keeps £2,154 a month, not the £2,673 you reach by dividing by twelve. Every deduction, the true cost of the pension, and why London weighting stretches less far than it looks.
Read guide →Germany and the UK: contributions, not income tax
At comparable gross salaries UK workers keep about 13% more each month than their German counterparts. Income tax is not the cause. Software engineers, nurses and high earners compared across both systems.
Read guide →Finnish games studio pay, once the tax is settled
Helsinki's games cluster pays 20% to 30% over the general tech baseline. A senior engineer on 90,000 euros ends up with roughly 4,400 euros a month once TyEL and income tax are settled.
Read guide →Earning past £100,000 and keeping less of it
Between £100,000 and £125,140 the Treasury takes 60p out of every additional pound. It is not a flaw in the system but the personal allowance taper, and salary sacrifice into a pension cancels it out.
Read guide →The Singapore comparison every finance worker has already done
Singaporean income tax tops out at 24%. British income tax reaches 45% before National Insurance enters the picture. For mid and high earners the monthly gap is striking, though CPF, housing and what you give up all belong in the calculation.
Read guide →Denmark's tax burden, and why nobody seems to mind
The top marginal rate reaches 55.9%. An engineer on DKK 700,000 keeps DKK 28,630 a month, about 3,840 euros. Here is what AM-bidrag, state and municipal tax each take, and what the money pays for.
Read guide →Belgium's tax wedge is the heaviest around. What does it fund?
The OECD measured the Belgian wedge at 52.7% in 2025. A worker on 60,000 euros gross keeps around 3,071 a month after ONSS and income tax. Why the top rate arrives at 46,000, and what flows back the other way.
Read guide →France and Germany: a dead heat with a strange crossover
On 80,000 euros gross a French employee keeps roughly 3,970 a month against a German 4,045. Two heavy reputations hide a near tie, plus a crossover at 70,000 that most people have the wrong way round.
Read guide →Sweden's 52% headline, and what Stockholm really pays
The top marginal rate is 52.3%, yet most Stockholm professionals sit at an effective 25% to 34%. Here is what an engineer, a nurse and a senior manager actually net, and why the marginal number misleads.
Read guide →Israeli tech pay after bituach leumi and income tax
An Israeli senior engineer on 400,000 shekels gross keeps 20,375 a month. Bring in section 102 RSUs, taxed as capital gains at 25%, and the shape of the whole package shifts.
Read guide →What is left of the Dutch 30% ruling after the reform
In its opening phase the ruling can be worth 958 euros a month to an expat professional. The 2024 changes stepped it down through 30%, then 20%, then 10% across 60 months.
Read guide →Strong in yen, weak in euros: Japanese pay and the exchange rate
A Tokyo senior engineer on 10,000,000 yen converts to 62,500 euros at 2026 rates, down from 83,333 in 2020. After shakai hoken and tax that works out at roughly 2,615 euros a month.
Read guide →Spanish nurses, and the take-home case for leaving
A nurse in Madrid on 28,000 to 34,000 euros gross keeps around 1,620 a month. The same nurse in Frankfurt, on 49,000 gross, keeps 2,780. The entire argument sits in those two numbers.
Read guide →The EU's highest minimum wage, and the salaries above it
Luxembourg's floor for qualified workers is 2,570 euros a month, the highest anywhere in the union. A median software engineer nets 4,365. Frontalier commuting, EU institution pay and the fund industry premium all stack on top.
Read guide →Italy's impatriati regime: half your salary untaxed
The impatriati rules exempt 50% of employment income from tax for up to five years. On 80,000 euros gross that means 4,680 euros a month rather than 3,640.
Read guide →Why a 100,000 euro Irish salary underwhelms: the USC
It is not merely one more band. On 100,000 euros, PAYE, USC and PRSI take 36,174 between them and leave 5,319 a month. Every band, the pension quirk, and what Dublin multinational pay really amounts to.
Read guide →CPF explained: why local and expat pay differ in Singapore
A Singaporean on SGD 120,000 sends 20% into CPF and sees SGD 6,897 a month in cash. An expat on an Employment Pass, at the same salary, sees SGD 8,618. Nothing else in Singaporean pay comes close to that difference.
Read guide →Same salary, CHF 1,416 a month apart, purely by canton
On CHF 120,000 a Zug resident keeps CHF 7,910 a month while a Geneva resident keeps CHF 6,468. Same work, same pay, different postcode, and CHF 17,000 a year between them.
Read guide →Norway is wealthy. Norwegian payslips are less so
The sovereign fund has passed 1.7 trillion dollars and Norwegian salaries rank among Europe's highest. Even so, a nurse on NOK 600,000 nets NOK 31,800 a month, roughly 2,720 euros. Costs and trygdeavgift account for the rest.
Read guide →Why Australian payslips beat New Zealand ones
A New Zealand nurse on NZD 75,000 takes home NZD 4,720 a month. An Australian nurse on AUD 80,000 takes home AUD 5,580. The tax systems are too similar to account for that, which is precisely the point.
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