What is the difference between gross pay and net pay?

Gross pay is your total earnings before any taxes or deductions are taken out. Net pay — often called take-home pay — is what remains after income taxes and all deductions have been subtracted. This calculator bridges the two.

What tax rate should I enter?

Enter your effective (average) income tax rate — the actual percentage of your total income paid in taxes. This is lower than your marginal rate. For example, if you earn $60,000 and pay $9,000 in federal + state income taxes combined, your effective rate is 15%. Check your most recent tax return for an accurate figure.

What are pre-tax deductions?

Pre-tax deductions reduce your taxable income before the tax rate is applied, meaning you pay less tax. Common examples include traditional 401k contributions, HSA contributions, FSA contributions, and employer-sponsored health insurance premiums.

What are post-tax deductions?

Post-tax deductions are taken from your pay after taxes have been calculated, so they do not reduce your tax bill. Examples include Roth IRA contributions, after-tax life insurance, union dues (in some cases), and wage garnishments.

Does this calculator account for FICA (Social Security and Medicare)?

Not automatically. For a simple estimate, add your FICA rate (typically 7.65% for most employees) to your income tax rate in the tax rate field. This gives a combined effective rate that covers both income tax and payroll taxes.

How accurate is this calculator?

This tool provides a straightforward estimate based on the values you enter. Actual paychecks may vary due to employer-specific rules, state taxes, additional withholdings, or benefits structures. For exact figures, consult a payroll provider or tax professional.

Gross To Net Calculator

Name: Gross To Net Calculator
Availability: InStock
Author: Nham Vu

Enter your gross salary, tax rate, and any deductions to instantly see your net (take-home) pay.

Income Details

Pay Period

Gross Salary (Annual)

Effective Tax Rate (income + payroll %)

Pre-Tax Deductions (401k, HSA, health ins.)

Post-Tax Deductions (Roth IRA, garnishments)

Fill in your salary details and click Calculate Net Pay to see your breakdown.

Summary

Enter your gross salary, tax rate, and any deductions to instantly see your net (take-home) pay.

How it works

Enter your gross salary and choose the pay period (annual, monthly, bi-weekly, or weekly).
Set your effective income tax rate as a percentage.
Add any pre-tax deductions (e.g., 401k contributions, health insurance premiums).
Add any post-tax deductions (e.g., Roth IRA, life insurance after tax).
The calculator subtracts pre-tax deductions first, applies the tax rate, then subtracts post-tax deductions to produce your net pay.

Use cases

Estimating take-home pay when evaluating a new job offer.
Budgeting monthly expenses based on actual net income.
Understanding how 401k or health insurance contributions affect paycheck size.
Comparing net pay across different pay schedules.
Planning salary negotiations with a clear picture of after-tax income.
Checking how a raise affects actual take-home pay after taxes and deductions.

Frequently Asked Questions

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Last updated: 2026-05-23 · Reviewed by Nham Vu

Gross Salary	$0
Pre-Tax Deductions	- $0
Taxable Income	$0
Income Tax (0%)	- $0
Post-Tax Deductions	- $0
Net Pay	$0