Gross income is the top-line number on a paycheque. Lenders often quote debt-to-income and affordability rules against gross, but your household actually runs on net (take-home) income.
Budgeting from gross income tends to overstate what you can afford. Budgeting from net income keeps expectations aligned with reality.
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Open Financial OS →Frequently asked questions
Is gross income the same as pre-tax income?
Effectively yes — both refer to earnings before tax and other deductions are applied.