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NL loonheffing + heffingskortingen
UK PAYE + NI Class 1
US federal + FICA + state override
Monthly & annual breakdowns
2024 tax year — estimate only
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Payroll Tax Calculator 2024
NL, UK & US Take-Home Pay

Calculate income tax, social contributions, and net take-home pay for the Netherlands, United Kingdom, and United States. Monthly and annual breakdowns with full deduction detail.

Country
📌
Netherlands Payroll Tax Calculator
Income
€
Total gross salary before any deductions.
per
Switch between annual and monthly output.
%
Employee pension contribution. Deducted before income tax. Typical range 4–8%.
€
Employer-paid travel reimbursement is tax-free up to €0.23/km. Enter annual total if applicable.
%
Employee pension via salary sacrifice reduces NI and income tax base.
plan
9% of income above the threshold.
toggle
Adds £2,870 to the personal allowance (2024/25).
toggle
Scottish income tax has different bands. NI remains UK-wide.
status
Affects standard deduction and federal tax brackets.
%
Enter a flat state rate or leave at 0 for no state tax. (e.g. CA ~9.3%, TX 0%, NY ~6.8%)
%
Reduces federal and state taxable income. 2024 limit $23,000.
$
Pre-tax premiums reduce federal taxable income.
Net Take-Home Pay
—
after all deductions
Income Tax
—
income tax only
Social / NI Contributions
—
employee share
Effective Tax Rate
—
all deductions ÷ gross
Gross Salary
—
before tax
Income Tax
—
—
Social / NI
—
—
Pension
—
employee contrib.
Other Deductions
—
—
Net Take-Home
—
per period
Effective Tax Rate
—
total deductions
Marginal Tax Rate
—
on last £/€/$
Full Payroll Breakdown
Annual Figures
Gross salary—
Total deductions—
Net take-home—
Monthly Figures
Gross salary—
Total deductions—
Net take-home—
How Your Gross Salary Is Split
Net take-home
Income tax
Social / NI
Pension & other
Estimate only. This calculator uses 2024 rates and simplified rules. It does not account for all personal circumstances, mid-year changes, employer-specific schemes, or HMRC/Belastingdienst/IRS adjustments. Always verify with a payroll professional or official government calculator.
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📌 Key Notes

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Related Guides

How Payroll Tax Works→ UK Income Tax Explained→ Netherlands Loonheffing Explained→

How payroll tax is calculated

Payroll tax is the combination of income tax and social insurance contributions deducted from an employee’s gross salary before they receive their net pay. Each country structures this differently, but the basic flow is the same: start with gross salary, subtract any pre-tax deductions, apply tax bands to the taxable amount, subtract any tax credits, then subtract social contributions.

StepNetherlandsUnited KingdomUnited States
Tax baseGross minus pension and fiscal vrijstellingGross minus pension sacrifice and personal allowanceGross minus standard deduction, 401(k), and health premium
Tax creditHeffingskorting (algemeen + arbeids)Personal allowance built into bandsStandard deduction applied before brackets
Social contributionsZvw 5.32% (capped), AOW/WLZ in Box 1NI Class 1: 8% / 2% thresholdsFICA: SS 6.2% (capped) + Medicare 1.45%

Frequently Asked Questions

What is the difference between marginal and effective tax rate?+
The marginal rate is the rate applied to the last portion of your income. The effective rate is total tax as a percentage of gross income. Because tax is progressive, the effective rate is always lower than the marginal rate. For example, earning slightly more does not mean all your income is taxed at the higher rate, only the amount above the threshold.
How does pension contribution affect take-home pay?+
In all three countries, employee pension contributions made through payroll reduce the taxable income used to calculate income tax. In the UK, salary sacrifice also reduces National Insurance. The net cost of saving into a pension is therefore less than the gross contribution amount because you save tax on what you put in.
What are Dutch heffingskortingen?+
Heffingskortingen are tax credits that reduce the actual tax you owe rather than just reducing taxable income. The most important for employees are the algemene heffingskorting (general tax credit, maximum €3,362 in 2024) and the arbeidskorting (employment tax credit, maximum €5,052). Both phase out at higher income levels.
Why does UK tax increase sharply between £100,000 and £125,140?+
Between £100,000 and £125,140, the personal allowance is withdrawn at a rate of £1 for every £2 earned. Combined with the 40% higher rate band, this creates an effective marginal rate of 60% on income in that range. This is often called the personal allowance trap.
What is FICA in the United States?+
FICA stands for Federal Insurance Contributions Act. It covers two taxes: Social Security at 6.2% on wages up to $168,600 (2024), and Medicare at 1.45% on all wages with an additional 0.9% above $200,000 for single filers. Employers match the employee Social Security and standard Medicare contributions, but the employee pays only their own share shown in this calculator.