Your pay
Your yearly salary before tax and any other deduction.
How many payments you receive per year (some countries pay 13 or 14).
Tax situation and deductions
Married filers get a higher personal allowance in this model.
Comes out of your pay and reduces your taxable income (up to a limit).
Tick if you repay a student loan (9% of salary above €27,000).

CalcBuilder example

Salary Take-Home Calculator

September 21, 2026

Salary Take-Home Calculator shown on the live frontend, with a calculated result.

Live result on the frontend

Excel-powered net pay calculator: progressive income tax by band, social contributions with a cap, pension relief and an optional student loan.

The Salary Take-Home Calculator turns a gross salary into net pay using a real Excel workbook. Calc Builder writes the visitor’s numbers into the sheet, lets it recalculate a five-band progressive tax model and reads the band-by-band rows back to draw a breakdown table and a ‘where your gross goes’ bar.

What it calculates

A visitor enters a gross annual salary, how many payments per year they receive, their filing status, a pension percentage and whether they repay a student loan. The workbook returns:

  • Net pay — annual take-home and the amount per payment (12, 13 or 14 payments a year).
  • Total deductions — income tax, social contributions (with a salary cap), the pension contribution and the loan repayment above a threshold.
  • Effective and marginal rate — the average share of gross paid in tax and social contributions, and the rate on the next euro earned.
  • Tax by band — how much taxable income falls in each of the five bands and the tax it produces, after the personal allowance and pension relief.

How it’s built

The Spreadsheet screen holds the workbook with five input mappings (salary, pay frequency, filing status, pension % and a 1/0 student-loan flag into B5:B9) and ten output mappings (the result cells B12:B21 back into PHP variables). The band table, allowances, social cap and loan threshold are labelled illustrative and editable in the workbook, so anyone can replace them with real rules. The execution mode is custom: the //[EXCEL] marker in the PHP Code shows where the sheet runs.

The Yes/No checkbox is converted to 1/0 before the marker, and the Radio and List values are plain numbers (1/2 and 12/13/14) so they can be written straight into cells. After the marker $objPHPExcel is the loaded workbook: the PHP Code reads the band rows (42–46) to render the tax table and builds the stacked bar from the amounts. Mapped outputs arrive as formatted text, so the code strips the separators before doing arithmetic. Download the workbook below: import the calculator, then upload the Excel file on its Spreadsheet screen.

Salary Take-Home Calculator - input form on the frontend

The input form as your visitors see it, styled with the Form Layout.

Salary Take-Home Calculator - Spreadsheet screen

The Spreadsheet screen: the workbook is uploaded here and the execution mode is set.

Salary Take-Home Calculator - input field mapping

Input mapping: each Calc Builder variable is written into a cell of the workbook before it recalculates.

Salary Take-Home Calculator - PHP Code screen

The PHP Code: inputs are cleaned, the //[EXCEL] marker runs the sheet, then the band rows are read back for the table and the stacked bar.

Want this exact example on your own site?

Download the file above, then in your Joomla admin open Components › CalcBuilder › Import and upload it — it's the same file you'd get from that component's own Export button, so it drops in as a ready-to-use, fully working copy in one step.

This example is powered by an Excel workbook. After importing the calculator, open its Spreadsheet screen, upload the Excel file below and save — the cell mappings come with the import.