Gross to Net Pay Calculator
Turn gross pay into estimated take-home pay by subtracting pre-tax deductions, a flat tax rate, and post-tax deductions.
Independently verified for accuracy
Calculator by Toolsloft ↗- Net pay
- 3360
- Taxable pay
- 4500
- Tax withheld
- 990
- Total deductions
- 1640
This calculator turns a gross pay amount into estimated take-home pay by subtracting pre-tax deductions, withholding tax, and post-tax deductions. It uses a single flat tax rate that you supply, so the result is a quick estimate rather than a full payroll run against bracket tables and per-jurisdiction rules. Use it to sanity-check a paycheck or compare offers when you know your effective rate.
How this is calculated
Pre-tax deductions are subtracted from gross pay first to give taxable pay. Tax is taxable pay times the flat rate you enter, which is a simple estimate and not the layered federal, state, and payroll tax tables a real paycheck uses. Post-tax deductions then come out, and what remains is your net pay.
How to use
- Enter your gross pay for the period.
- Enter your pre-tax deductions, such as 401(k) or health premiums.
- Enter the tax rate to withhold as a percentage.
- Enter any post-tax deductions, then read your taxable pay, tax withheld, total deductions, and net pay.
Examples
- $5,000 gross, $500 pre-tax, 22%, $150 post-tax:
net $3,360.00 - $3,000 gross, no deductions, 0% rate:
net $3,000.00
FAQ
- What is the difference between pre-tax and post-tax deductions?
- Pre-tax deductions, like traditional 401(k) contributions and many health premiums, come out before tax is figured, so they lower your taxable pay. Post-tax deductions, like Roth contributions or garnishments, come out after tax, so they reduce your net pay but not the tax you owe.
- Is this exact payroll tax?
- No. This uses a single flat rate that you enter against your taxable pay. Real paychecks apply layered federal, state, and FICA rules with brackets and caps, so treat this as an estimate and check your pay stub or a payroll provider for exact figures.
- What tax rate should I enter?
- Use your effective rate, which is total tax withheld divided by taxable pay on a recent pay stub. That blends every tax into one percentage and gives a closer estimate than a single bracket rate.