Personal money calculator 2026 rules reviewed

See what your salary actually leaves you.

Estimate tax and mandatory deductions, then add your real monthly expenses, savings and investments. No account required.

Automatic country engines: UK, Australia, Germany, Spain and India. Every other country works with a deduction rate you provide.

Step 1

Salary & deductions

Manual estimate

Country Currency

Gross salary Salary frequency

Total salary deductions (%) Use your estimated combined tax + mandatory payroll deductions. Average monthly deductions Calculated only after you enter a deduction rate.

Gross per month —

Estimated net per month —

Estimated net per year —

Tax / combined deductions —

Mandatory contributions —

Effective deduction rate —

Rule set & assumptions Manual deduction estimate

You provide the combined tax and mandatory deduction rate.

Rules reviewed: 15 October 2026

Step 2

Your monthly money

Housing / rent Loans / debt payments Living expenses Other recurring expenses Monthly savings Monthly investments

Money remaining each month —

After your selected expenses, savings and investments.

Step 3

Savings goal

Target amount Amount saved each month

Estimated time to reach goal —

No signupYour salary inputs stay in your browser.

Official rules firstSupported country engines cite government sources.

Estimates, not advicePersonal circumstances can change actual payroll and tax.

Important: Salary After All is a planning tool, not tax, legal, payroll or investment advice. “Net” means income after the deductions this calculator models; actual payslips and final tax returns can differ.