Estimate taxes, insurance, and expenses for employees, freelancers, and self-employed. Check monthly take-home pay and tax payment schedule.
Estimate taxes, insurance, and expenses for three employment types: employee, freelancer, and self-employed.
Check your monthly take-home pay and understand how much goes to taxes and insurance.
See the tax payment schedule (tax waves) to prepare for large payments in advance.
Step 1. Choose one of three modes: Employee, Freelancer/Side Job, or Self-employed.
Step 2. Each mode shows only the relevant input fields for your situation.
The calculator adjusts automatically based on your selection.
Enter your gross monthly salary and optional details (dependents, deduction level).
Get estimates for income tax (including local tax) and 4 insurances.
See the year-end settlement schedule (refunds or additional payments) and monthly deductions.
Enter your average monthly income, expense ratio, and whether 3.3% is withheld.
Understand that 3.3% withholding may be a prepayment, not the final tax.
See when income tax settlement occurs (usually the following year) and plan reserves accordingly.
Enter monthly sales, expenses, VAT type, and VAT scheme.
See VAT and income tax reserve estimates and payment schedules.
Understand VAT as temporarily held money (refunds are possible) and plan for annual income tax waves.
Monthly Take-home: The amount you can actually use after taxes, insurance, and expenses.
Money Flow: See how income is deducted and where it goes (taxes, insurance, expenses).
Tax Wave Forecast: Months when large tax payments occur—plan your reserve account accordingly.
Save your inputs locally in the browser for quick recalculation later.
Copy a summary of your inputs and results to share or keep records.
Data stays in your browser only—nothing is sent to servers.
Notice
These results are reference estimates. Actual tax amounts may vary by deductions, industry, documentation, and enrollment type. For accurate calculations, consult a tax professional.
FAQ
These are rough estimates for reference. Actual amounts vary by deductions, industry, documentation, and enrollment type. Consult a tax professional for exact calculations.
Employee mode estimates monthly salary deductions. Freelancer mode shows tax settlement timing. Self-employed mode includes VAT and annual income tax planning.
Tax waves are months when large tax payments occur (e.g., income tax settlement in May, VAT payments in Jan/Jul). The calculator helps you prepare by showing when these occur.
No. 3.3% is often a withholding payment. Actual tax is usually settled the following year, and refunds are possible depending on expenses and deductions.
VAT is tax collected from customers and temporarily held. You pay it later, and refunds are possible. It's not your money initially.
Yes. Use the 'Save Input' button to store your current inputs locally. They will be restored when you return to the same mode.
No. All calculations happen in your browser, and saved data stays in local storage only.
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