The gross number on an offer isn't what you take home. Enter your salary, tax rate, and deductions to see real monthly pay instantly — then compare offers and scenarios with the full planner.
Turn any gross salary into real monthly take-home.
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Gross pay is your salary before anything is taken out — the headline number on a job offer. Net pay (take-home) is what actually lands in your account after income tax, and other deductions like retirement contributions and benefit premiums. The gap between them can be large, which is why comparing offers on gross alone is misleading.
Because several deductions stack on top of income tax: retirement contributions, health or benefit premiums, and in many places payroll taxes. Together they can take a meaningful slice of gross pay. This calculator lets you enter a combined tax rate and other deductions so you see a realistic take-home figure rather than the gross.
A ready-to-use spreadsheet (Excel & Google Sheets): gross-to-net take-home by month and pay period, plus a side-by-side offer comparison and raise-value check — delivered instantly after checkout. AI-assisted, human-built; not tax advice.
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