Definition
Net pay
Net pay, or take-home pay, is what actually lands in your account after tax, social contributions and every deduction. Rent, loans and subscriptions are paid from this number, not from gross pay.
The gap between gross and net is usually larger than people expect, which is why a budget built on a gross salary tends to fail in its first month.
Tools that use this term
Salary Calculator
Turn a gross salary into the monthly take-home figure you can actually budget with.
Budget Calculator
Split your take-home pay into needs, wants and savings with the 50/30/20 guideline.
Rent Affordability Calculator
What rent your income supports, and whether the place you are looking at fits.
Car Affordability Calculator
The full monthly cost of a car, and whether it fits inside your budget.