Kalkulator Brutto Netto

Reviewed by: David Chen, CFA
Senior Payroll Analyst & Tax Specialist. Verified for accuracy in financial modeling.

Use our accurate Kalkulator Brutto Netto (Gross-Net Calculator) to estimate your take-home pay. Simply enter your gross salary to see a breakdown of taxes, social security contributions, and your final net income.

Gross Monthly Salary (Brutto)

Income Tax Rate %

Est. Social/Health Deductions % Combined Social Security & Health Insurance rate.

Ready to Calculate

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Kalkulator Brutto Netto Formula

The kalkulator brutto netto determines your take-home pay by subtracting statutory deductions from your gross income. The simplified formula for Net Income (N) is:

N = G – (S + H + T)

Source: Investopedia (Net Income)

Variables

N: Net Salary (Netto) – Money received in hand.
G: Gross Salary (Brutto) – Contract amount.
S: Social Security Contributions (ZUS).
H: Health Insurance (NFZ).
T: Income Tax (PIT).

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What is Kalkulator Brutto Netto?

Kalkulator Brutto Netto (Gross-Net Calculator) is a fundamental tool for employees and employers. “Brutto” refers to the total salary specified in an employment contract before any deductions. “Netto” is the actual amount transferred to the employee’s bank account after taxes and contributions.

Understanding the difference is crucial for salary negotiations. This tool estimates the various components that reduce your gross pay, including pension contributions, disability insurance, and advance income tax payments.

How to Calculate Kalkulator Brutto Netto (Example)

Let’s calculate the net pay for a gross salary of 5,000 currency units with standard deductions (approx 22.71% social/health) and 12% tax.

Gross Salary: 5,000.
Social/Health Deductions: 5,000 × 22.71% = 1,135.50.
Tax Base: 5,000 – 1,135.50 = 3,864.50.
Income Tax: 3,864.50 × 12% = 463.74.
Net Salary: 5,000 – 1,135.50 – 463.74 = ~3,400.76.

Frequently Asked Questions

Is this kalkulator brutto netto accurate for Poland?

This tool provides a close estimation based on standard rates. Actual Polish taxes (Nowy Ład) involve complex variables like tax-free amounts and relief for the middle class, which may require a specialized accounting audit.

What is the difference between Brutto and Netto?

Brutto is the total cost before deductions. Netto is the “take-home” pay that lands in your pocket after the government and insurance institutions take their share.

Can I adjust the tax rate?

Yes. You can manually edit the “Income Tax Rate” field to reflect your specific tax bracket (e.g., 12% or 32%).

Is this tool free?

Yes, this kalkulator brutto netto is completely free to use online for quick salary estimations.