Net vs Gross Tithe Calculator

Use the net vs gross tithe calculator to compare tithing on your total income versus your take-home pay. Enter your income, deductions, and percentage to see weekly, monthly, and annual amounts side by side—clear, neutral, and easy to understand.

How to Use

1. Select your income frequency (weekly, monthly, or yearly).
2. Enter gross income for that period.
3. Add taxes, insurance, retirement, and other deductions for the same period.
4. Set your tithe percentage (default 10%).
5. Review gross vs net tithe and the difference.
6. Check the annual summary and other frequency views.
7. Adjust inputs to see how changes affect your giving plan.

Inputs Explained

• Gross Income — Your total pay before any deductions for the chosen period.
• Taxes — Income tax withheld for that period.
• Insurance — Health/other insurance premiums deducted from pay.
• Retirement — Pre-tax super/401(k)/pension contributions.
• Other Deductions — Any remaining pre-tax or post-tax deductions (e.g., union fees).
• Tithe Percentage — The proportion you plan to give (e.g., 10%).
• Frequency — Whether the figures are weekly, monthly, or yearly.

What You’ll See (Outputs)

• Gross Tithe — Tithe based on gross income.
• Net Income — Take-home pay after deductions.
• Net Tithe — Tithe based on net income.
• Annual Gross/Net Tithe — Yearly totals based on your frequency.
• Monthly/Weekly Gross & Net Tithe — Converted views for easy budgeting.
• Difference — How much higher/lower gross vs net tithe is for the current period.

Formulas & Assumptions

• netIncome = grossIncome − (taxes + insurance + retirement + otherDeductions)
• titheRate = tithePercentage / 100
• grossTithe = grossIncome × titheRate
• netTithe = netIncome × titheRate
• Frequency multipliers: weekly = 52, monthly = 12, yearly = 1
• The calculator annualises the current frequency, then derives monthly/weekly from the annual amount for consistent comparisons.

Worked Examples

Example A: Monthly salary

• Inputs: gross = 5,000; taxes = 800; insurance = 200; retirement = 100; other = 50; tithe = 10%; frequency = monthly
• Net income: 5,000 − (800+200+100+50) = 3,850
• Gross tithe (monthly): 5,000 × 0.10 = 500
• Net tithe (monthly): 3,850 × 0.10 = 385
• Difference (monthly): 115 more when tithing on gross
• Annual gross tithe: 500 × 12 = 6,000
• Annual net tithe: 385 × 12 = 4,620

Example B: Weekly pay

• Inputs: gross = 1,500; taxes = 300; insurance = 50; retirement = 50; other = 0; tithe = 10%; frequency = weekly
• Net income: 1,500 − (300+50+50+0) = 1,100
• Gross tithe (weekly): 1,500 × 0.10 = 150
• Net tithe (weekly): 1,100 × 0.10 = 110
• Difference (weekly): 40 more when tithing on gross
• Annual gross tithe: 150 × 52 = 7,800
• Annual net tithe: 110 × 52 = 5,720

Who Should Use This

• Salaried employees comparing giving methods.
• Gig/contract workers with changing deductions.
• Couples/families planning a unified giving approach.
• Budgeters wanting weekly/monthly/annual clarity.
• Church members aligning giving with personal convictions.

Pro Tips & Caveats

• If your income varies, average a few periods for steadier planning.
• Include pre-tax retirement contributions if they reduce taxable income.
• Decide how to treat bonuses/commissions—gross or net—consistently.
• If net income is very low/zero, the net tithe may also be low/zero.
• You can choose any percentage, not only 10%.
• Keep frequency consistent across all inputs.
• Review inputs after tax changes or benefit updates.
• This tool is informational, not financial or tax advice.