A practical checklist for moving to another country for work
Tax residence, payroll country, healthcare, pension, housing, and work authorization—the items that change take-home pay after you accept an international offer.
International offers fail in the details. The salary looks strong; the payroll country, tax residence, or housing market does not. Walk through this checklist before you sign.
Tax residence and payroll country
Confirm where you will be tax resident and which country’s payroll will withhold tax. They are not always the same. A US company paying you through a German contract withholds German wage tax. Remote work from another country can create a permanent establishment or dual-residence problem. Split-year moves have special rules in the UK, Canada, and Germany. This calculator models a full-year employee in one country; it does not model dual residence.
Healthcare and social insurance
In the US, health insurance is usually a separate deduction or employer plan. In Germany, statutory health and long-term care insurance are earnings-based up to a ceiling. In France, employee social contributions are a large share of the gap between gross and net. In Switzerland, mandatory health insurance is paid outside payroll and is not in this model. Ask what the employer provides and what you will pay yourself.
Pension and unemployment
US Social Security, Canadian CPP/QPP, UK National Insurance, German pension insurance, and Irish PRSI are not optional in the standard employee profiles. Employer matches and occupational pensions (Swiss second pillar, UK workplace pension) can matter as much as salary and are only partly modeled here. Ask for the employee contribution rate and the employer match in writing.
Housing before you land
Use a dated city snapshot as a floor, not a quote. GrossNetGuide’s city figures are community-reported Numbeo observations with an observation date. Add your own groceries, transport, and childcare. A 1-bedroom city-centre rent in San Francisco, Zurich, or London can consume a third to half of net pay; Berlin, Vienna, or Manchester usually leave more room.
Work authorization and timing
Visa waiting time, start-date delays, and whether you can work while the permit is processed change the first-year cash picture. Relocation packages should be compared as cash, not as a reason to ignore a weaker net salary.
Currency risk
If your savings are in another currency, a strong local salary can still lose value when you convert. Keep the comparison in local currency first. Convert only with a dated rate and a note that the rate will move.
2026 employee social contributions and the published income-tax scale, explained line by line for a private-sector employee in France.
Made for clearer money decisions.Tax data: 2026 · U.S. state brackets: provisional 2025 · Cost data: community snapshots
Published 2026 tax-year rules · official sources linked below
01 —YOUR SCENARIO
Start with the offer
Live calculation
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Federal single filer · 2026 IRS rules · add a state for state income tax
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Enter a gross annual salary before deductions.
Enter a salary between 0 and 10,000,000.
+Pay and work schedule
Bonuses and commissions
+Tax profile · optional
Customize the German estimate if you know these details. The default profile is used otherwise.
This profile estimates annual tax liability; payroll tax-class withholding can differ.
German tax classes primarily affect monthly withholding. This model estimates annual tax liability, not a payroll withholding slip.
Tax class V/VI withholding depends on partner/payroll circumstances and is not calculated separately here. The result uses the annual baseline profile.
◈Calculations run in this browser; account sync is optional.
Enter a salary to see take-home pay.
02 —YOUR TAKE-HOME
US · 2026
Take-home pay
$— / month
$— take-home per year
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How gross pay is divided
In your pocket—Income tax—Payroll—
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More charts and details
Optional breakdown of tax bands, monthly cashflow, and effective versus marginal rates.
Community-reported city estimates · observed 2026-11-02. Not a personal budget.
Top income-tax rates
Top marginal income-tax rates from the published tables in this profile. Payroll contributions and local taxes are excluded.
Country
Top rate
Selection
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Not tax advice.Rules vary by country, region, deductions, and payroll setup. Review the assumptions and official sources before making decisions.assumptions and sources
What’s included, and which sources?
The country models are starting-point estimates, not payroll calculations.
Estimates exclude individual credits and payroll adjustments and may differ from a payslip or tax return.
Tax references and data sources
Location matters
Compare real-life scenarios
Set a local-currency salary for each place. We don’t silently convert currencies.
PAY MIX
Compare take-home pay across US states
State
Take-home share
Net / year
Combined top rate
Local city taxes, credits, and filing statuses other than single are not included. Nine states have no wage income tax.
PAY MIX
Where gross pay goes
Shares are comparable across currencies; amounts stay in each local currency.
NetIncome taxPayroll
No scenarios match these filters.
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Each result is shown in local currency. City selection changes only cost estimates, not tax jurisdiction: Canada uses the selected province or territory, U.S. state brackets are provisional, and German state is set separately.
PRIVATE · THIS DEVICE
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OPTIONAL · SUPABASE
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Your money, made clearer
Your pay, decoded
Turn one annual number into a plan you can actually use.
Take-home pay—Annual, after income tax and employee contributionsGross per month—Annual gross divided by 12 calendar monthsGross per payday——Net per payday——Gross per hour—Based on your work scheduleNet per hour—Annual take-home divided by scheduled work hoursEmployer's estimated cost——Rent share of net pay—City-centre 1-bedroom snapshotAfter rent & utilities—Before your other expensesMarginal deduction rate—Estimated change in net pay on the next €100 of the German earnings reference.2025 vs 2026 tax comparison—A verified 2025 German ruleset is needed before this change can be calculated.Workdays for tax and contributions——Uses a 260-day year and includes modeled employee deductions.
SALARY ANALYSIS
How net pay changes as gross pay rises
YOUR SCENARIO · 2026
Your tax report
Applies published 2026 rules to this profile. Not tax or financial advice.
No jargon, just useful
Understand your paycheck
What the line items mean, and why the same salary can feel different in different places.
Official source and tax-year data
Rules are versioned in the tax-data configuration. Review the references in the calculator's assumptions panel before changing tax-year parameters.