🧾 Gross to Net Calculator
Estimate your net take-home pay from your gross salary after typical payroll deductions.
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From gross pay to net pay
Gross pay is your total earnings before any deductions; net pay (take-home pay) is what actually lands in your bank account after taxes and other withholdings are subtracted.
The formula
Net Pay = Gross Pay − (Gross Pay × (Federal Tax Rate + State Tax Rate + Other Deduction Rate)). The calculator combines your entered deduction percentages into one total rate applied to your gross pay.
This tool provides a simplified general estimate for planning purposes only, not tax advice. Real paycheck withholding depends on your specific tax bracket, filing status, benefit elections, and local tax rules, and often isn’t a flat percentage.
Last reviewed August 2026