Cushy Index guide
Gross vs Net Salary Explained: What You Actually Keep
Understand the difference between gross pay and net pay, and why net monthly income is what determines lifestyle.
Direct answer
Gross salary is what your employer pays before deductions. Net salary is what reaches your bank account after tax and contributions.
Why net pay matters
Rent, groceries and savings are paid from net income, not from the headline gross salary.
Why tax systems change the story
Two countries with similar gross salaries can produce very different monthly take-home pay.
Use net income plus local costs
The real question is how much money remains after rent and essentials in your city.