# How to Calculate Year-to-Date Earnings

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Keeping track of your income is an important part of managing your personal finances. The term "year-to-date earnings" is a business term that refers to the amount of money that you have made from the beginning of the year until the present time. This figure may refer to your gross income or your net income. Gross income is the amount of money that you have made before taxes and deductions. Net income is what you actually bring home after taxes and deductions are subtracted from the gross.

Determine your gross income per pay period. Divide your yearly income by the number of pay periods that your company uses. For example, consider a salary of \$75,000 per year, with pay checks issued twice a month, which equals 24 pay periods per year. Divide 75,000 by 24 to get \$3,125 per pay period.

Determine your net income per pay period. If you know your net yearly salary, divide this figure by the number of pay periods. For example, if your net income per year is \$50,000, you would divide this figure by 24 (as in the previous example) to get a monthly net income of \$2,083.33.

Multiply your gross earnings per pay period times the number of pay periods leading up to a certain date to find your gross year-to-date earnings. For example, consider a situation in which you want to determine your year-to-date earnings at the end of March. Assume that there have been six pay periods by March 30. Therefore, you would multiply 6 by 3,125 (from the example in Step 1) to get a gross year-to-date figure of \$18,750.

Multiply your net earnings per pay period times the number of pay periods leading up to a particular date in order to find your net year-to-date income. For example, if at the end of March you have received net income of \$2,083.33 per pay period, multiply 6 by 2,083.33 to get a net year-to-date figure of \$12,499.98.

Add any overtime or bonuses from the beginning of the year until the present date to your year-to-date figures. For example, if your gross year-to-date earnings are \$18,750 and you've made \$2,000 in overtime during those three months, you would add 2,000 to 18,750 to get a total gross year-to-date figure of \$20,750.