All mySal calculators

The main mySal calculator — gross to net for 30+ countries with full deduction breakdown.

Change salary, pension, hours or country and watch your take-home move in real time.

Put two or more offers side by side on real take-home, not headline salary.

Log hours, overtime and shift rates to convert hourly work into monthly take-home.

See what extra hours are really worth once your marginal tax rate is applied.

Model a side income on top of your main salary and see the tax it attracts.

Work out the rise you need to hit a target take-home figure.

Pro-rata holiday entitlement and holiday pay for part-time and irregular hours.

Upload a payslip and have mySal check the deductions line by line.

Scan your situation for allowances, reliefs and credits you may be missing.

Check whether you have overpaid tax and roughly how much you could reclaim.

Track pay and tax paid so far this year against what you should owe.

Every filing and payment deadline for your country, with reminders.

Compare tax paid across years and see how rule changes affected you.

Bundle your figures and documents into a pack ready for filing.

Track income and expenses and see how much tax to set aside each month.

Work out VAT due, flat-rate options and whether you are near the threshold.

Log receipts and business mileage and total the deductible amount.

Create invoices with VAT and discounts, and track what is paid.

Build a monthly budget from your real take-home and track it against bills.

Set goals and see the monthly amount needed to reach each one on time.

Total your recurring costs and spot what is quietly draining your pay.

See how a change to your pension contribution affects take-home and your pot.

Compare exchange rates and fees when moving money between currencies.

See when you get paid and how each pay date lands across the year.

Track holdings across stocks, bonds and crypto with live valuations.

Live stock, crypto and bond prices with context on what moved.

Structured lessons on investing, risk and building a portfolio.

Forecast pay 1–10 years out and see whether a day rate beats permanent take-home.

Quick net-pay estimate for the UK, Ireland and US using 2026 bands.

See how much of a one-off bonus survives income tax and social contributions.

Estimate net pay on a second job stacked on top of your main salary.

Plan 1/2/4/5, Postgrad and US federal — see the monthly deduction from your pay.

Estimate dividend tax on top of salary using each country's dividend rules.

Ballpark CGT on a disposal using the current allowance and rates.

Very rough estimate of a possible refund from overpaid tax or missed allowances.

Income tax, NI/PRSI/SE tax and payments-on-account from your annual profit.

Model contributions, growth and drawdown to see your future pot and income.

Estimated state pension based on your qualifying years, for UK / Ireland / US.

See the tax relief added by the government and the net cost from your take-home.

Repayments, amortisation, stamp duty / closing costs and affordability.

Compare renting to buying over a chosen horizon, including fees and opportunity cost.

Yield, monthly cash flow and ROI for a rental property.

Personal loan, HP/PCP, credit card payoff and max borrowing from income.

See how long it takes to clear multiple debts using snowball or avalanche.

See how long a card balance takes to clear at the minimum payment and what it costs.

Split your take-home into needs, wants and savings with the classic 50/30/20 rule.

Work out the monthly contribution to hit a target on a chosen date.

Model contributions, interest / return rate and years — see the final value.

See how much purchasing power money keeps or loses over a chosen period.

Rough equivalent salary needed to keep the same lifestyle in a different city.

Snapshot your net worth from savings, investments, property and debts.

Estimate redundancy pay based on age, years of service and weekly earnings.

Estimate statutory maternity, adoption or paternity pay across your leave.

Estimate weekly statutory sick pay and how long the entitlement lasts.

Estimate income tax + NI/social contributions due on vesting RSUs.