Free Salary Calculator. Convert gross salary to net take-home pay and understand payroll deductions.
Free Salary Calculator. Convert gross salary to net take-home pay and understand payroll deductions.
Generated: 1/13/2026, 7:24:57 AM | AskSMB.io
Total salary before any deductions
Income tax percentage applied to salary
Pension, social security, or mandatory contributions
Insurance, benefits, or other payroll deductions
Gross salary must be greater than zero
Gross salary is the total amount an employer pays you before any deductions are taken out. This is the number you see in your employment contract or job offer. It includes your base salary plus any bonuses, commissions, or allowances. Gross salary is the starting point for calculating your actual take-home pay (net salary). Understanding the difference between gross and net salary is crucial for budgeting and financial planning.
Tax Amount = Gross Salary × (Tax Rate / 100)
Contributions = Gross Salary × (Contribution Rate / 100)
Total Deductions = Tax Amount + Contributions + Other Deductions
Net Salary = Gross Salary - Total Deductions
Take-Home % = (Net Salary / Gross Salary) × 100
Tax: $5,000 × 20% = $1,000
Contributions: $5,000 × 10% = $500
Total Deductions: $1,000 + $500 + $200 = $1,700
Net Salary: $5,000 - $1,700 = $3,300
The key difference is that gross salary is what you earn before deductions, while net salary is what you actually take home. When negotiating a job offer, always clarify whether the discussed salary is gross or net. In most countries, salaries are quoted as gross amounts, and deductions are applied automatically by the employer. Your employment contract typically shows gross salary, while your bank account receives net salary. The gap between the two can be 20-40% depending on your tax bracket and deductions.
Take-home pay varies significantly based on several factors: