How do I find my OASDI on my paystub?

Look under “Social Security” or “ OASDI .” It’s usually 6.2% of your gross pay.

No. It’s a federal tax that funds Social Security — not refundable.

Why is my net pay different each paycheck?

It can change if your hours, bonuses, or deductions (like insurance) change.

What percentage of gross pay is net pay?

Most people take home 70–80% of their gross pay after taxes.

How can I increase my net pay?

Adjust your W-4 withholding, increase pre-tax deductions, or reduce taxable benefits.

Gross vs. Net Pay: The Quick Way to Find Your Take-Home Pay

Last updated November 3, 2025

Your gross pay is what you earn. Your net pay is what you keep. That’s the short answer. Now, let’s unpack how to go from one to the other.

Table of Contents

Gross Pay vs. Net Pay Explained

Gross pay = total money you earn before any deductions.
Net pay = what’s left after taxes, insurance, and other withholdings.

Example:

If you earn $5,000 a month (gross), and your deductions total $1,200, your net pay is $3,800 — that’s your actual paycheck.

Common Deductions (and What They Mean)

Here’s what usually comes out of your gross pay:

Federal income tax: Based on your income bracket and W4 info.
State income tax: Depends on where you live.
OASDI (Social Security): 6.2% of your gross pay.
Medicare: 1.45% of your gross pay.
Health insurance premiums: If your employer offers coverage.
Retirement contributions: Like 401(k) or pension plans.

👉 Tip: Check your paystub — each deduction is listed there.

Quick Way to Calculate Net Pay

Want to figure out your take-home pay fast? Check out our Gross-to-Net Pay Calculator Guide — it walks you through each step to calculate your net pay by hand. You’ll learn how to start with your gross pay, subtract deductions, and see what really hits your bank account.

The Easy Way to See Your Real Pay

Understanding the difference between gross and net pay helps you know exactly what you’re earning — and what you’re keeping.

If you want to see your deductions laid out clearly, FormPros’ paystub generator can help. It automatically creates accurate, professional paystubs that show your gross pay, deductions, and true take-home amount.