Gross to Net Calculator
Estimate take-home pay after taxes and deductions
This is a simplified estimate. Actual withholdings vary by jurisdiction, allowances, pre-tax benefits, and retirement contributions.
How to Use This Calculator
Enter gross pay
Use your gross pay for the pay period you want to estimate.
Set tax percentages
Use approximate federal, state, and FICA rates for a rough estimate.
Add other deductions
Include benefits, retirement, and insurance premiums if pre-tax.
Calculate
See an estimated take-home pay to aid budgeting.
Formula
Net = Gross − (Gross×Fed) − (Gross×State) − (Gross×FICA) − Other
About Gross to Net Calculator
The Gross to Net Calculator provides a quick estimate of your take-home pay by applying approximate tax rates and deductions to your gross pay. It is designed for budgeting and planning, not for payroll accuracy. Actual withholdings depend on your state and local tax rules, filing status, allowances, pre-tax benefits (like 401(k), HSA, FSA), employer benefit choices, and payroll frequency. Use this tool to explore scenarios—adjust tax percentages and deductions to mirror your situation and see how each component impacts net pay. For precise payroll, rely on your paystub, HR portal, or tax software.
Frequently Asked Questions
Why doesn’t this match my paycheck exactly?
Payroll systems use detailed withholding tables, pre/post-tax rules, and benefits; this tool is a simplified estimate.
Should I include employer contributions?
No, employer-paid benefits are not deducted from your gross; include only employee-paid amounts.
What pay period does this use?
It’s agnostic. Enter per-pay-period gross and deductions for that same period.