Net to Gross Calculator
Convert your net take-home pay to gross salary. This calculator determines your actual salary before taxes and deductions by working backwards from your net pay.
Salary Summary
Tax Breakdown
Pay Period Breakdown
Understanding Net to Gross Salary Conversion
Converting net take-home pay to gross salary is essential for understanding your true compensation and comparing job offers. This calculator works backwards from your net pay to determine the gross amount before all deductions.
How Net to Gross Works
The Calculation Process
Gross Salary = Net Pay + Federal Taxes + FICA + State Taxes + Other Deductions
Step 1: Start with Net Pay
Your take-home pay after all deductions
Step 2: Add Back Taxes
Federal, FICA, and state income taxes
Step 3: Add Other Deductions
Health insurance, retirement contributions
Step 4: Get Gross Salary
Your salary before any deductions
Common Deductions
Pre-Tax Deductions
401(k) contributions
Health insurance premiums
Flexible spending accounts
Tax Deductions
Federal income tax
FICA (Social Security + Medicare)
State income tax
Post-Tax Deductions
Roth IRA contributions
Garnishments
Charitable contributions
FICA Tax Breakdown
| FICA Component | Employee Rate | Wage Base Limit (2024) | Purpose |
|---|---|---|---|
| Social Security | 6.2% | $168,600 | Retirement benefits |
| Medicare | 1.45% | No limit | Health insurance |
| Additional Medicare | 0.9% | $200,000+ wages | High earners surcharge |
| Total FICA | 7.65% (15.3% total) | Varies | Social programs |
State Tax Variations
| State | Top Rate | Tax-Free States |
|---|---|---|
| California | 13.3% | No |
| New York | 8.82% | No |
| Texas | 0% | Yes |
| Florida | 0% | Yes |
| Illinois | 4.95% | No |
Pay Frequency Impact
Annual Salary
- Most accurate for tax calculations
- Used for W-2 reporting
- Standard for job offers
- Easiest to compare
Hourly/Weekly Pay
- Convert to annual for accuracy
- Consider overtime pay
- Account for unpaid time off
- Check for benefits
Benefits and Perks
Taxable Benefits
- Personal use of company car
- Gym memberships
- Group term life insurance
- Moving expense reimbursements
Tax-Free Benefits
- Health insurance premiums
- 401(k) matching
- Educational assistance
- Commuter benefits
Job Offer Comparison
Key Factors to Compare
Gross Salary
Before any deductions
Standard comparison metric
Benefits Package
Health insurance value
Retirement contributions
Total Compensation
Salary + benefits value
Work-life balance
Key Takeaways
- Net to gross conversion helps understand your true compensation
- FICA taxes (7.65%) are automatically deducted from all wages
- Federal income tax rates range from 10% to 37%
- State income tax rates vary widely (0% to 13.3%)
- Pre-tax deductions reduce taxable income
- Post-tax deductions are taken from net pay
- Benefits can add significant value to compensation
- Always compare total compensation packages
- Consider tax implications when changing jobs
- Consult a tax professional for complex situations