Salary Net/Gross Calculator
Convert your gross salary into real take-home pay. See exact monthly, bi-weekly, and hourly breakdowns after taxes.
Salary Breakdown
Gross vs. Net Salary Explained
Your gross salary is the number on your offer letter — your total compensation before any deductions. Your net salary (take-home pay) is what actually hits your bank account after federal taxes, state taxes, Social Security, Medicare, and any voluntary deductions like 401(k) contributions or health insurance premiums.
How to Use This Salary Calculator
Enter your gross annual salary and your combined effective tax rate. For most Americans earning $50,000–$100,000, an effective rate of 22–28% is typical. Add any pre-tax or post-tax deductions in the "Other Deductions" field. The calculator instantly shows your annual, monthly, per-paycheck, and hourly take-home pay.
How to Find Your Effective Tax Rate
Your effective tax rate is not your marginal tax bracket. If you're in the 22% bracket, you don't pay 22% on all income — only on the portion above $44,725 (2024). Your effective rate is usually 5–10 percentage points lower than your marginal rate. Check last year's tax return: divide total tax paid by gross income for your effective rate.
Maximize Your Take-Home Pay
Maximize pre-tax contributions to your 401(k), HSA, or FSA to reduce taxable income. Contributing the maximum 401(k) amount ($23,000 in 2024) can reduce your federal tax bill by $5,000+ depending on your bracket — money that goes into your retirement instead of taxes.