Gross pay vs take-home pay
Calculate take-home payBefore deductions
Gross salary is total employment pay before employee deductions. It can include basic salary and taxable allowances.
After deductions
Net salary is the amount remaining after PAYE and every other applicable payroll deduction has been removed.
How gross pay becomes take-home pay
- 1
Start with gross salary
- 2
Calculate PAYE
- 3
Subtract pension, NHF and health insurance
- 4
Subtract loans or other payroll deductions
Common deductions
PAYEPensionNHFHealth insuranceLoans and other deductions
Not every payslip deduction reduces PAYE. Use only eligible amounts in a PAYE calculation.
See which deductions count