Gross to Net Salary Calculator
Convert annual gross salary into estimated net pay after taxes, FICA, benefits, and deductions.
About this tool
A salary-focused paycheck calculator for turning an offer letter or annual salary into realistic net pay after taxes and payroll deductions.
How to use it
Quick steps to get the most out of this utility.
- 1
Enter gross salary
Use annual salary or pay-period income.
- 2
Choose state and filing status
Taxes vary materially by state and household.
- 3
Add deductions
Include retirement, healthcare, HSA, and other pre-tax deductions.
- 4
Review net pay
Compare monthly and per-paycheck take-home numbers.
Frequently asked questions
What is gross to net salary?+
Gross salary is pay before taxes and deductions. Net salary is what remains after tax withholding, FICA, benefits, and other deductions.
Why is my net pay lower than expected?+
Federal tax, state tax, Social Security, Medicare, retirement contributions, insurance, and local taxes can all reduce take-home pay.
Does this replace payroll advice?+
No. It estimates take-home pay from common tax and payroll inputs; your employer withholding setup can differ.
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More views of the same calculator
Open main calculator →Same underlying engine, written for different use cases. Pick the angle that matches your situation.