Gross to Net Calculator — Take-Home Pay After Tax & Deductions

Formula

How this is calculated

Gross pay is what your employer agrees to pay you before any deductions. Net pay — the amount that actually hits your bank account — is what remains after income tax, payroll taxes and benefit deductions are subtracted. This calculator models those deductions as flat percentages of gross, which is an approximation: in reality income tax is often progressive (different rates applying to different income bands), and some deductions are capped (for example, US Social Security tax stops at the wage base, $176,100 for 2026).

Enter the income tax rate that best represents your situation — for a rough estimate, US workers might use their marginal federal bracket (10%, 12%, 22%, 24%, 32%, 35% or 37% for 2026) or their effective rate, which is lower because lower brackets are taxed at lower rates first. The social security field defaults to 7.65%, the US employee share of FICA (6.2% for Social Security + 1.45% for Medicare) as of 2026 — edit this for other countries or employment types. The "other deductions" field captures pre-tax or post-tax items like health insurance premiums, 401(k) contributions or union dues expressed as a percentage of gross.

The effective deduction rate is the total of all deductions as a percentage of gross, giving a single figure you can use to compare different salary offers or scenarios. Because deduction rules vary by jurisdiction and individual circumstance, always verify your final take-home with your employer's payroll department or a tax professional.