Payslip Analyzer
Enter your gross salary and each payslip deduction (income tax, social security, health insurance, pension, anything else) to see your net pay, total deductions, deduction percentage and effective tax rate. A donut chart visualises the split between net pay and each deduction. Everything runs locally in your browser — your salary details never leave your device.
How to use
- 1
Enter your gross annual salary
Type your gross (pre-tax) annual salary. If you only know your monthly gross, multiply by 12 first.
- 2
Add each payslip deduction
Add a row per deduction line-item from your payslip: income tax, social security / national insurance, health insurance, pension, parking, union dues, etc. Label them clearly — items with 'tax' or 'social security' in the name count toward the effective tax rate.
- 3
Read your net pay and effective tax rate
The summary card shows annual / monthly / fortnightly net pay, total deductions, deduction % and effective tax rate (income tax + social security ÷ gross).
- 4
Use the chart for a visual breakdown
The donut chart shows what slice of gross salary each deduction takes, plus the net-pay slice. Use it to see at a glance which deduction is the biggest.
Common use cases
- Compare two job offers' net pay (not just gross) when the jurisdictions differ.
- Estimate take-home pay after a raise to decide if a promotion is worth the extra responsibility.
- Quantify how much of your gross salary actually reaches your bank account each year.
- See which deduction is the largest — useful when planning pre-tax contributions (401k, HSA, FSA).
- Explain your payslip to a partner, financial advisor or tax preparer.
Limitations
- The effective tax rate is computed as (income tax + social security) ÷ gross. Pension contributions, health insurance premiums, and other deductions are treated as savings/benefits, not taxes — they're net worth you control, not government revenue.
- The calculator does not model progressive tax brackets automatically. Enter your actual income-tax figure from your payslip — if you only know the rate, multiply it by gross to get the dollar amount.
- Pre-tax vs post-tax deductions are not distinguished. For accuracy, ensure the gross figure you enter is the gross before pre-tax deductions (i.e. before 401(k), HSA, FSA, health premium if pre-tax). Many paystubs show multiple gross figures — use the highest one.
- Pick the currency from the selector at the top-left of the input card — your choice is shared across every Dueneo money tool. All deductions must be in the same currency as the gross salary — currency conversion is not performed.
- Year-end adjustments (bonus tax withholding, capital gains, refund/owing at filing) are not modelled. The tool shows you the per-paycheck snapshot, not the full annual tax reconciliation.
Frequently asked questions
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