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Gross to Net Pay Calculator

Gross is what you earn; net is what you keep. Get the full bridge between them.

FAQs

What is the difference between gross and net pay?

Gross is total earnings before deductions; net is what remains after taxes and withholding.

What percent of my paycheck goes to taxes?

It varies widely — enter your numbers above for your exact split.

How do I increase net pay legally?

Pre-tax 401(k)/HSA contributions lower taxable income; correct W-4 avoids over-withholding.

Estimate only: results use 2026 federal and state tax figures with simplified assumptions (single filer, standard deduction). Actual withholding varies by W-4, pre-tax deductions, and local taxes. Not tax advice.

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