Gross income is the amount you earn before deducting taxes, retirement contributions, insurance premiums, etc. Tax forms, government agencies and applications for credit cards and loans often request gross income because the deductions can fluctuate, making the income you have left over after deductions, called net income, too variable to get an accurate calculation of how much you make. You can determine your average gross monthly income using the "Year-to-Date" figure on your pay stub.
Get your most recent pay stub. If you do not have one, ask your employer for the information.
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Locate the year-to-date section on your pay stub. This is usually at the bottom or in a column on the far-right of the pay stub. Use the figure labeled "Total Gross", "Gross Pay" or "Gross TYD."
Determine how much of the year the pay ending date represents. If the pay period end date is September 15, the gross income figure represents nine months plus 15 days, or approximately 50 percent of a month. This means the year-to-date gross income is for 9.5 months.
Divide the gross year to date income by number of months the figure represents. For example, divide year-to-date gross income of $23,456 by 9.5 to get a gross monthly income of $2,469.05.