Gross to Net Calculator
Convert gross pay into take-home pay.
Enter your values
ⓘ Live results
Results
- Annual net pay
- $55,380.00
- Monthly net pay
- $4,615.00
- Biweekly net pay
- $2,130.00
- Income tax
- $13,500.00
- Payroll tax
- $6,120.00
- Effective deduction rate
- 30.78%
Quick answer
Net pay is gross pay minus income tax, payroll tax and any pre-tax deductions such as retirement or insurance.
How to use the Gross to Net Calculator
- 1Enter your gross annual salary.
- 2Estimate your income tax rate.
- 3Add pre-tax deductions like 401(k) or health premiums.
Worked example
Using the values the calculator loads with:
Inputs
- Gross annual pay80000 $
- Income tax rate18 %
- Payroll tax7.65 %
- Pre-tax deductions5000 $
Results
- Annual net pay$55,380.00
- Monthly net pay$4,615.00
- Biweekly net pay$2,130.00
- Income tax$13,500.00
- Payroll tax$6,120.00
- Effective deduction rate30.78%
Frequently asked questions
Why is my paycheck lower than this?
State and local taxes, post-tax deductions and garnishments are not included here.
Do pre-tax deductions reduce FICA?
Retirement contributions do not; health premiums under a Section 125 plan do.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.