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Gross vs Net Pay Worksheet
Educational gross-to-net worksheet using only withholdings and deductions you enter. No tax brackets or payroll tax tables are embedded.
Limitation: Educational arithmetic only—not tax, payroll, or legal advice.
How to Estimate Net Pay
Use amounts from a pay stub, offer letter estimate, or scenario you define.
Choose a display currency; no exchange rate is applied.
Match one pay period
Do not mix biweekly gross with monthly deductions unless you intentionally built that scenario.
What Net Pay Means Here
Net pay is gross minus the three deduction buckets you enter. The calculator does not compute taxes from filing status, W-4 settings, or jurisdiction tables.
Paycheck Examples
Typical mid-month paycheck
Gross and deductions
Net pay
800 + 200 + 50 = 1,050; 4,000 − 1,050 = 2,950.
Gross with no deductions
Gross and deductions
Net pay
All deduction fields are zero.
Copy from a stub carefully
If a line already includes multiple taxes, put the combined amount in tax withholdings rather than double-counting.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorPaycheck Formulas
No IRS or state withholding engine is included.
Formula
Total deductions
taxWithholdings + benefitDeductions + otherDeductions
Net pay
grossPay − totalDeductions
Scientific Background
Assumptions: user-entered period amounts. Limitations: not Form W-4 modeling, not employer tax deposits, and not a guarantee of take-home pay. See IRS withholding resources for official context.
Sources & review
Paycheck Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.
Last reviewed
July 22, 2026
IRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/businesses/small-businesses-self-employed/understanding-employment-taxesFree Calculator Hub methodology
Free Calculator Hub
/methodology
See our methodology and corrections policy.