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Determine the gross salary amount. The gross amount will be the amount the employer is paying the employee before any taxes or other deductions are taken out.

Determine the annual pre-tax deduction for a retirement account and/or health insurance. To arrive at an annual figure, multiply the monthly amount of the pre-tax deduction by 12. Then factor to get a percentage by dividing the yearly pre-tax deduction by the yearly gross salary. For example, health insurance costs $3,600 per year; $3,600 divided by a $90,000 yearly salary equals 0.04 or 4 percent.

Determine the federal tax bracket for the income level. Higher incomes have higher marginal tax rates. The income tax rate will determine how much is withheld and paid to the IRS.

Determine the state tax withholding percentage. Usually this is a percentage of the federal tax withholding.

Determine the percentage for Social Security and Medicare tax percentages. These taxes are also called FICA taxes.

Determine if there are any local income tax withholding requirements, such as a city or county income tax, and determine the percentage required.

Multiply any court-ordered monthly payments by 12 to get a yearly figure. For example, a child support payment is deducted from a paycheck for $650. The yearly payment is $7,800. Convert this into a percentage by dividing the yearly payment obligation by the gross income. For example, the gross income is $90,000. Divide $7,800 by $90,000 to get 0.086 or 8.5 percent.

Add the percentages together for federal, state, FICA and court-ordered payments to get a total percentage of yearly deductions.

Multiply the total yearly percentage by the gross income. Then deduct this amount from the gross income to arrive at the take-home pay amount. For example, the yearly deductions for all taxes and obligations equal 42 percent of the gross income. The yearly gross income is $90,000. Forty-two percent multiplied by $90,000 equals $37,800; and $90,000 minus $37,800 equals $52,200 of take-home pay for the year. That would further be reduced by subtracting 401(k) and health insurance payments.