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