Take-home pay
Salary after income tax and mandatory deductions. This is the amount available for everyday life.
Salary planning worksheet
Turn a city move into a take-home target.
Compare spending power first. Then translate the result into gross salary using the destination’s tax rules and assess market pay separately.
01
Your current take-home
Use income after tax and deductions.
02
Match your setup
Keep the assumptions the same in both cities.
Household
Lifestyle
Your planning target
$5,560 net / month
in Amsterdam may support a similar modeled lifestyle to $6,500 in London.
$940 lessthan your current monthly take-home
- Annual take-home target
- $66,720
- London model budget
- $4,000
- Amsterdam model budget
- $3,420
Offer audit
The calculator gives you one number. A real offer has four layers.
Review every layer before deciding whether two offers provide comparable value.
Benefits
Health coverage, pension contributions, insurance and paid leave can change the value materially.
Variable compensation
Separate guaranteed income from bonus and equity. Do not fund essential spending with uncertain pay.
Relocation support
Flights, visas, temporary housing and deposit support reduce the cash required to move.
Use the result
Build a salary range, not a single demand.
Move from a minimum living-cost requirement to the complete offer you would accept.
- 01Floor
Your equivalent take-home estimate plus essential personal costs missing from the model.
- 02Target
The floor plus savings goals, role progression and a buffer for price or currency movement.
- 03Total package
Translate the target into gross pay, then weigh benefits and relocation support alongside cash.
Three numbers, three questions
One salary figure cannot answer everything.
Spending-equivalent income
What net income would fund the same selected cost basket in the destination?
Take-home-equivalent income
What net income would fund that basket while preserving the disposable margin you need?
Market salary
What do employers pay for the role, level and labor market? Treat this as a separate question.
Gross is not disposable
Follow the money from an offer to the amount you can actually use.
Gross salary−Taxes and mandatory deductions=Take-home pay
Take-home pay−Destination household budget=Disposable margin
Gross earnings, employee income tax, mandatory contributions and cash benefits affect how much income is available for monthly spending.
This calculator starts with take-home income. Convert a gross offer using the destination’s rules for your household before comparing spending power.
Offer checklist
Collect the facts before you compare the package.
Open the complete salary guide →- Guaranteed base and pay frequency
- Expected household take-home
- Bonus and equity conditions
- Destination market range
- Health coverage and out-of-pocket cost
- Pension or retirement contributions
- Paid leave and working hours
- Relocation allowance and repayment terms
- Currency and remote-pay review policy
- One-time move and setup budget
Questions before negotiating
Know what the estimate means.
Should I enter gross or take-home salary?
Use monthly take-home income. Tax systems vary by jurisdiction and household, so a gross amount should be converted before comparing everyday spending power.
Is this the minimum salary I should accept?
No. It is a spending-power reference. Your target should also reflect the role, local market, benefits, savings goals, currency risk and the cost of the move.
Are relocation expenses included?
No. Deposits, flights, visas, shipping, temporary accommodation and furniture are separate one-time costs.
Is equivalent salary the same as local market salary?
No. Equivalent salary reprices your selected household budget. Market salary reflects what employers pay for a role based on skills, talent supply, competition and compensation policy.
Why should taxes be calculated separately?
The living-cost basket prices household consumption. Income tax and mandatory contributions convert gross pay into take-home income and vary by jurisdiction and household case.