Gross to Net Estimator
Estimate take-home pay after deductions.
From gross to what you keep
Take-home pay is gross minus taxes and deductions, and the gap is bigger than most expect. Enter your gross and estimated rates to see an approximate net for a pay period.
The gap between gross and net is bigger than most expect once tax, retirement, and health deductions stack up, which is why an hourly offer rarely translates to the take-home you imagine.
A rough estimate only
Real withholding depends on your tax code, allowances, and benefits, so check a payslip for exact figures. The pay figures you enter never leave your device.
Frequently asked questions
How is net pay estimated?
Gross pay minus a flat tax percentage and a flat percentage for other deductions. $6,500 at 24% tax and 7% other deductions leaves $4,485, a 69% take-home rate.
What tax rate should I enter?
Your effective rate across federal, state, and payroll taxes, not your top bracket. Last year's total tax divided by gross income is a good starting point.
What counts as other deductions?
Pre-tax and post-tax payroll items such as 401(k) contributions, health insurance premiums, HSA contributions, and union dues, expressed as a percent of gross pay.
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