About this desk
The Tax Desk is the editorial team responsible for every tax calculator, country tax guide, and salary comparison on AffordWhere. It is a team effort, not a single tax advisor. Nothing on this site is personal tax advice — posts are general information, written to help expats understand how take-home pay is calculated in the six tax jurisdictions AffordWhere supports: Sweden, Germany, the United Kingdom, France, Spain, and the Netherlands.
Every rate, band, and threshold cited under this byline is taken directly from the official tax authority of the country in question — Skatteverket, HMRC, the Belastingdienst, the Bundesministerium der Finanzen, the IRS, the Agencia Tributaria, and so on. When a country's rules change (typically in January each year), the desk updates both the underlying calculator logic and the related guide posts in the same release.
The desk does not invent worked examples. Take-home figures quoted in posts are generated by the same calculators readers can run themselves on the site, so that the post and the tool agree to the nearest euro, pound, or krona. For complex situations — self-employment, cross-border work, the Dutch 30% ruling edge cases — posts point readers toward a qualified local tax advisor.
Topics covered
- International income tax
- Social contributions and payroll deductions
- Tax calculator methodology
- Expat tax regimes (30% ruling, impatriate, NHR-style schemes)
- US expat tax obligations (FEIE, FBAR, FATCA)
Our methodology
All rates, bands, and thresholds are taken directly from the primary tax authority of the country in question and timestamped to the tax year cited. Calculator outputs are reconciled against the official payslip or income tax simulator where one is published (HMRC, Belastingdienst, Skatteverket). Posts are updated when the authority announces new bands — typically each January — and the "last reviewed" date is incremented. The desk does not offer individual tax advice; posts are general information, and readers are directed to qualified advisors for complex situations.
Sources we use
Every figure cited in posts by this desk is traceable to one of the following primary sources:
Recent posts by this desk
Germany Tax for Expats 2026: What You Actually Take Home
German taxes look scary on paper — income tax, solidarity surcharge, church tax, social contributions. But the effective rate might surprise you. Full breakdown with our calculator.
· 12 min read · Taxes
Netherlands Tax for Expats 2026: The 30% Ruling Explained
The Dutch 30% ruling can save expats thousands — but not everyone qualifies, and it's changing. Full guide to Dutch taxes, the ruling, and what you'll actually take home.
· 11 min read · Taxes
France Tax for Expats 2026: What You Actually Take Home
French social charges are high but include world-class healthcare and retirement benefits. Full breakdown of income tax, CSG/CRDS, and what your net salary really is.
· 11 min read · Taxes
UK Tax for Expats 2026: Income Tax, NI & What You Keep
UK income tax plus National Insurance can take 32-47% of your salary. But the personal allowance and pension relief change the math. Full HMRC breakdown for expats.
· 12 min read · Taxes
US Expat Taxes 2026: What Americans Living Abroad Must Know
The IRS follows you abroad — but most Americans overpay because they miss key exclusions. FBAR, FATCA, and the $126,500 exclusion explained in plain English.
· 14 min read · Taxes
What €80k Really Buys You: London vs Lisbon vs Gothenburg
A detailed breakdown of €80,000 gross salary across three very different European cities. See net pay, rent, savings potential, and quality of life compared.
· 12 min read · Move Breakdown
$100k in San Francisco vs Austin vs Berlin: The Real Math
Is that $100k offer in SF worth it? We compare the same salary across expensive San Francisco, tax-friendly Austin, and affordable Berlin.
· 14 min read · Move Breakdown
How to Compare Salaries Across Different Countries
A €100k offer in Berlin can leave you richer than $100k in NYC — or poorer. The 3-step framework that reveals what a salary is really worth anywhere.
· 10 min read · Salary Guide
Sweden Tax Calculator 2026: See Your Take-Home Pay
Sweden's 30-57% tax rate sounds brutal — but the take-home might surprise you once you factor in deductions and benefits. Calculate your exact net pay instantly.
· 10 min read · Taxes