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Calculate net income from gross income and deductions

Net income is the amount remaining from gross earnings after all listed deductions are subtracted: net income = gross income − (sum of deductions). The understanding includes combining fixed-dollar deductions and straightforward deductions expressed as a percentage of gross income, interpreting pay-statement amounts, preserving dollar-and-cent precision, and checking that net income is less than gross income; advanced withholding, tax-bracket, and compound payroll calculations are excluded.

Detailed Explanation: Calculate net income from gross income and deductions

Net income is the money left after all deductions are taken from gross income.

Net income=Gross incomeTotal deductions\text{Net income}=\text{Gross income}-\text{Total deductions}

If a deduction is a percentage, first find that percentage of the gross income.

Example:
A paycheck shows:

  • Gross income: 2{,}400.00$
  • Retirement deduction: 6%6\% of gross income
  • Health insurance: 85.50$
  • Other deduction: 12.75$

Step 1: Find the percentage deduction.

Convert 6%6\% to a decimal and multiply:

0.06×$2,400.00=$144.000.06 \times \$2{,}400.00=\$144.00

The retirement deduction is 144.00$.

Step 2: Add all deductions.

$144.00+$85.50+$12.75=$242.25\$144.00+\$85.50+\$12.75=\$242.25

The total deductions are 242.25$.

Step 3: Subtract the deductions from gross income.

$2,400.00$242.25=$2,157.75\$2{,}400.00-\$242.25=\boxed{\$2{,}157.75}

The net income is 2{,}157.75$.

As a check, net income should be less than gross income. Since 2{,}157.75<$2{,}400.00$, the answer makes sense.

Learn by doing: Calculate net income from gross income and deductions

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Financial Literacy - Paycheck - Gross and Deductions to Net (Absolutes)


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