Gross to Net Calculator
Convert a gross salary to net take-home after federal income tax and FICA, and see exactly what is deducted.
- Free
- No sign-up
- Updated for 2026
Enter your gross annual income to see the net.
Worked example
With these example inputs:
- Gross annual income$48,000
- Filing statussingle
Net (take-home): $40,696
- Gross income$48,000
- Income tax$3,632
- Payroll tax (FICA)$3,672
- Take-home pay$40,696
- Marginal rate12.0%
- Effective rate15.2%
Frequently asked questions
What is the difference between gross and net?
Gross is your pay before deductions. Net is what you actually receive after tax. This estimate removes federal income tax and FICA to get from one to the other.
Why is my net lower than expected?
Beyond federal income tax and FICA shown here, real pay can also lose state tax, retirement contributions and insurance premiums, which this estimate does not include.