Germany, France & EU Salary & Tax Calculators 2026
Free net salary after tax + EU VAT calculator. Germany, France, Spain, Italy, Netherlands + 27 EU countries.
Free salary, tax, VAT, mortgage, and insurance calculators for Germany, France, Spain, Italy, Netherlands, and the full EU. Perfect for expats, remote workers, freelancers, and businesses handling EU finances.
Which Calculator Do You Need?
- Moving to Germany? → Use the Germany Salary Calculator for net pay after income tax, social security, health insurance, and church tax.
- Working in France? → Use the France Salary Calculator for take-home pay after income tax, social security, and health contributions.
- Business in the EU? → Use the EU VAT Calculator for standard, reduced, and super-reduced rates across 27 countries.
- Buying property in Europe? → Use country mortgage calculators for Germany, France, Spain with notary fees, insurance, and local rates.
- Remote worker in Spain? → Use the Spain Salary Calculator for IRPF and regional taxes.
- Need insurance estimates? → Use Germany health insurance and EU travel insurance calculators.
How Net Salary Works in Europe (2026)
European salaries are heavily taxed with income tax, social security, and health contributions. Rates vary widely:
- Germany: 14–45% income tax + 20.3% social security + 14.6% health = 52–65% total burden
- France: 11–45% income tax + 22–25% social security + 13% health = 55–70% total
- Spain: 19–47% IRPF + 28.3% social security = 60–75% total
- Italy: 23–43% IRPEF + 33% INPS = 55–70% total
- Netherlands: 36.9–49.5% income tax + 27.65% social security = 50–65% total
These calculators show your exact net pay after all deductions. Expats and remote workers: use them to compare job offers across countries.
EU VAT Explained (2026)
EU VAT rates are harmonized but vary by country and goods type:
- Standard: 19% Germany, 20% France, 21% Spain/Netherlands, 22% Italy
- Reduced: 7% Germany, 5.5%/10% France, 4%/10% Spain, 4%/5%/10% Italy
- Super-reduced: 2.1% France, 4% Spain/Italy
Use our EU VAT calculator to add/remove VAT instantly for any country.
EU Salary Tax Overview 2026
| Country | Tax Rate | Social Sec. | Health | Net ~% |
|---|---|---|---|---|
| Germany | 14-45% | 20.3% | 14.6% | 52-65% |
| France | 11-45% | 22-25% | 13% | 55-70% |
| Spain | 19-47% | 28.3% | Inc. | 60-75% |
| Italy | 23-43% | 33% | Inc. | 55-70% |
| Netherlands | 36.9-49.5% | 27.65% | Inc. | 50-65% |
*Source: Official 2026 rates. Use calculators below for exact figures.
EU VAT Rates 2026
| Country | Standard | Reduced | Super-reduced |
|---|---|---|---|
| Germany | 19% | 7% | — |
| France | 20% | 5.5%, 10% | 2.1% |
| Spain | 21% | 10% | 4% |
| Italy | 22% | 5%, 10% | 4% |
| Netherlands | 21% | 9% | — |
Use our EU VAT calculator for exact add/remove VAT.
Salary Calculators (5 tools)
Germany Salary Calculator
Germany salary calculator 2026. Net pay after income tax, social security, health insurance + church tax.
France Salary Calculator
France take-home pay 2026. Net salary after income tax, social security, health contributions.
Spain Salary Calculator
Spain net salary after IRPF, social security, regional taxes.
Netherlands Salary Calculator
Dutch net pay after income tax, social security, health insurance.
Italy Salary Calculator
Italy net salary after IRPEF, INPS, regional taxes.
Tax Calculators (3 tools)
EU VAT Calculator
Add or remove VAT for all 27 EU countries. Standard, reduced, super-reduced rates.
Germany Income Tax Calculator
German income tax 2026: solidarity surcharge, church tax, tax brackets.
France Income Tax Calculator
French income tax: progressive brackets, household quotient, tax credits.
Mortgage Calculators (3 tools)
Germany Mortgage Calculator
German mortgage: fixed rates, annual repayment, total interest.
France Mortgage Calculator
French prêt immobilier: insurance, notary fees, monthly payments.
Spain Mortgage Calculator
Spanish hipoteca: Euribor rates, opening fees, total costs.
Insurance Calculators (2 tools)
Loan Calculators (2 tools)
Privacy & Data Protection
All calculations are performed in your browser. We do not collect, store, or transmit any personal or financial data. This calculator is fully GDPR compliant and respects your privacy.
Disclaimer: Results are estimates for informational purposes only and should not be considered as professional financial or tax advice. Always consult with qualified professionals for your specific situation.
5 Countries
Germany, France, Spain, Italy, Netherlands
15 Calculators
Salary, tax, mortgage, insurance & loans
Instant Results
Real-time calculations, no waiting
Who Uses Our EU Calculators?
- • Expats moving to Germany/France
- • Freelancers calculating take-home
- • Businesses handling EU VAT
- • Remote workers in Spain/Italy
- • Remote workers on US/UK companies living in Spain or Portugal
Built by: Finance software architect, EU tax formulas verified 2026.
Self-employment tax
No standalone self-employment tax tool yet. The income tax calculator helps you work through resident tax rates; use official country tax authority rules (e.g. Finanzamt Germany, Impôts France) for self-employment rates and quarterly estimates.
Explore More Calculators
Looking for calculators from other regions?
Europe Salary & Tax FAQs
How is net salary calculated in Germany vs France?
Germany deducts progressive income tax (14–45%), social security (20.3%), health (14.6%), and church tax if applicable. France uses progressive income tax (11–45%), higher social security (22–25%), and health contributions (13%). Use our Germany and France salary calculators to compare exact take-home pay.
What is the EU VAT standard rate for Germany, France, Spain, Italy, Netherlands?
2026 standard VAT rates: Germany 19%, France 20%, Spain/Netherlands 21%, Italy 22%. Reduced rates apply to food, books, etc. Use our EU VAT calculator for exact add/remove VAT across all 27 EU countries.
How much social security do employees pay in Spain?
Spain employees pay 28.3% social security on gross salary (pensions, unemployment, healthcare). Employers pay more. Net burden after IRPF (19–47%) is 60–75% of gross. Use the Spain salary calculator for exact figures.
How do I compare job offers between Germany and the Netherlands?
Use our Germany salary calculator (52–65% total deductions) and Netherlands salary calculator (50–65% total). Compare net pay after tax and social contributions. Factor in cost of living for true purchasing power.
What is a good gross salary in Germany in 2026?
€50,000–€70,000 gross is average to good for professionals in Germany. Net pay after 52–65% deductions is €26,000–€35,000. Use our Germany salary calculator to see exact take-home for your tax class and situation.
Are these calculators suitable for expats and remote workers?
Yes. Our calculators handle resident tax rules for Germany, France, Spain, Italy, Netherlands. Expats and remote workers: use them to estimate net pay for job offers, tax planning, and cost-of-living comparisons. Results are GDPR-compliant and run locally in your browser.
How much of my salary goes to social contributions in France?
France employees pay 22–25% social security + 13% health contributions. Total burden with income tax (11–45%) is 55–70% of gross. Use the France salary calculator for your exact situation.
What are reduced and super-reduced VAT rates in the EU?
Standard VAT: 15–27%. Reduced (5%+): food, books, transport. Super-reduced (<5%): France 2.1%, Spain/Italy 4%. Use our EU VAT calculator for exact rates by country and product type.