PayStubPro Editorial Team Published June 14, 2026Last reviewed July 2, 20265 min read
Reviewed by the PayStubPro Payroll Standards Team
Quick answer
Gross pay is the total amount earned in a pay period before any deductions. Net pay is what remains after taxes and other deductions are subtracted — the amount actually received.
How gross becomes net
Start with gross pay, subtract mandatory taxes and any voluntary deductions, and the result is net pay. For a fictional worker earning $2,000 gross with $430 in total deductions, net pay is $1,570.
| Item | Amount |
|---|---|
| Gross pay | $2,000.00 |
| Total taxes | -$330.00 |
| Benefits & other | -$100.00 |
| Net pay | $1,570.00 |
Why the difference matters
Lenders, budgets and benefit calculations often reference one figure or the other. Knowing which number is being requested prevents confusion.
Ready to create your pay stub?
Open the PayStubPro application and follow the guided, step-by-step process.
Informational disclaimer: This article is educational and general in nature. It does not constitute payroll, tax, accounting or legal advice. For guidance specific to your situation, consult a qualified professional.