🌍 UK · US · Greece Salary Comparison
Compare real take-home pay across three countries — after tax, social insurance, cost of living, and US healthcare costs.
How this works
A higher gross salary doesn’t always mean more spending power. This tool does three things most salary converters skip:
- True take-home after all deductions — UK Income Tax + NI (2025/26); US federal + state/city tax + FICA (2026 IRS brackets); Greece Income Tax + EFKA (Law 5246/2025). Toggle self-employed on any country to switch to freelance rates.
- US healthcare deducted — the NHS and EOPYY are free at point of use. US employees pay $1,440/yr in premiums on average (KFF 2025), subtracted from US take-home.
- Cost of living adjusted — all three are normalised to a “London = 100” purchasing power index so the comparison is fair across cities.
£1 =USD
£1 =EUR · Adjust to live mid-market rate
🇬🇧 UK Salary
£
Gross£65,000
Income Tax£13,432
Employee NI£3,311
Take-home£48,257
Effective rate26%
≈ in USD$61,287
≈ in EUR€56,461
🇺🇸 US Job Offer
$
Gross$110,000
Federal income tax$15,370
State / city tax$11,799
FICA (SS + Medicare)$8,415
Take-home$74,416
Effective rate32%
Healthcare premiums-$1,440/yr
Adjusted take-home$72,976
🇬🇷 Greece Salary
€
Gross€35,000
Income Tax€6,883
EFKA (employee)€4,680
Take-home€23,438
Effective rate33%
≈ in GBP£20,032
≈ in USD$25,441
Purchasing Power — London-equivalent GBP after COL adjustment
🇬🇧 London
£48,257
🇺🇸 New York City
£57,462
WINNER
🇬🇷 Athens
£36,422
🇺🇸 New York City wins
Break-even salaries to match your London lifestyle (£65,000 gross)
🇺🇸 New York City
$90,395/yr
🇬🇷 Athens
€51,131/yr
“To match your £65,000 London lifestyle: $90,395/yr in New York City · €51,131/yr in Athens”
What’s included
- UK: Income Tax (2025/26, bands frozen until 2028) + Employee NI (8%/2%) or Class 4 NI self-employed (6%/2%)
- US: Federal income tax (2026, IRS Rev. Proc. 2025-32, standard deduction $16,100) + state/city tax + FICA or self-employment tax (15.3% on 92.35%)
- Greece: Income Tax (2026, Law 5246/2025) + Employee EFKA (13.37%) or self-employed EFKA Category 1 (€3,009/yr, 2026 rates)
- US healthcare: $1,440/yr employee premium for single coverage (KFF 2025) — deductibles & copays additional
- Cost of living: Numbeo-based estimates, London = 100
- Not included: pension/401(k), student loans, bonus, benefits-in-kind, visa costs, Greek advance tax prepayment
Sources & References
HMRC Income Tax rates and allowances 2025/26IRS Revenue Procedure 2025-32 — 2026 Federal tax bracketsGreek Law 5246/2025 — 2026 income tax brackets (KPMG Flash Alert)EFKA Circular 6/2026 — self-employed contribution categoriesPwC Tax Summaries — Greece individual taxesKFF 2025 Employer Health Benefits SurveyNumbeo — Cost of Living Comparison