Your first payslip can be confusing — why is the amount less than expected? Let’s decode every line.The total amount you earn BEFORE any taxes or deductions are taken out.Gross payThe amount you actually receive AFTER taxes and deductions — your take-home pay.Net payMoney your employer holds back from your pay and sends to the government for income tax.Tax withholdingA contribution deducted from your pay that funds public pensions, healthcare, and safety nets.Social securityExtra hours worked beyond your normal schedule, usually paid at a higher rate.OvertimeA document from your employer showing how your pay was calculated and what was deducted.PayslipWhen your employer sends your pay straight into your bank account electronically.Direct depositGross pay is your earnings…after taxesbefore any deductionsminus overtimeNet pay is also called…base salarytake-home paygross incomeSocial security contributions fund…your employer’s profitspublic pensions and healthcarestock market investmentsDirect deposit means your pay…is given in cashgoes straight to your bank accountis held for 30 days
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