Income Ratio Calculator

Measure earnings relationships across people, roles, periods, and schedules. Convert values automatically for fair comparisons. See useful summaries, clean charts, and smarter planning insights.

Calculator Form

Income A Amount

Income A Period

Income A Deduction Rate (%)

Income B Amount

Income B Period

Income B Deduction Rate (%)

Benchmark Ratio

Decimal Places

Example Data Table

Scenario	Income A	Income B	Deduction A	Deduction B	Net Ratio	Annual Net Gap
Monthly salaries	5,000 monthly	4,200 monthly	10%	8%	1.17	7,368.00
Weekly contractor rates	1,450 weekly	1,100 weekly	12%	6%	1.23	17,888.00
Annual comparison	72,000 annual	54,000 annual	14%	9%	1.22	13,500.00

Formula Used

1. Annual Gross Income
Annual Gross = Income Amount × Period Multiplier

2. Annual Net Income
Annual Net = Annual Gross × (1 − Deduction Rate ÷ 100)

3. Income Ratio
Income Ratio = Income A ÷ Income B

4. Percentage Difference
Percentage Difference = ((Income A − Income B) ÷ Income B) × 100

5. Share of Combined Income
Share A = Income A ÷ (Income A + Income B) × 100

This page normalizes different pay periods into annual values first. That allows a fair ratio comparison between weekly, biweekly, monthly, quarterly, and annual incomes.

How to Use This Calculator

Enter Income A and choose its payment period.
Enter Income B and choose its payment period.
Add optional deduction rates for both incomes.
Set a benchmark ratio if you want a target comparison.
Choose how many decimal places you want displayed.
Press the calculate button to view results above the form.
Review the ratio, annual gap, net values, and chart.
Use the CSV or PDF buttons to save the output.

Frequently Asked Questions

1. What does an income ratio show?

An income ratio shows how one income compares with another. A result of 1.25 means Income A is 25% larger than Income B after normalization.

2. Why convert pay periods first?

Different pay schedules are not directly comparable. Converting all values to annual amounts creates a consistent base before calculating ratios, shares, and gaps.

3. What is the difference between gross and net ratio?

Gross ratio uses income before deductions. Net ratio adjusts each income by its deduction percentage, giving a comparison that better reflects usable income.

4. Can I compare salaries and freelance income?

Yes. Enter each amount with its actual period. The calculator annualizes both values, so salaried and recurring freelance earnings can be compared on equal footing.

5. What if Income B is zero?

A standard ratio cannot be divided by zero. This page protects against that case, but meaningful ratio interpretation requires Income B to be above zero.

6. Why include a benchmark ratio?

A benchmark helps evaluate whether the calculated ratio meets a target, such as compensation parity, affordability goals, or a desired budgeting balance.

7. What does the share percentage mean?

Share percentage shows each income’s portion of the combined gross total. It helps visualize contribution balance between two earners or revenue sources.

8. Can I save the results?

Yes. Use the CSV button for spreadsheet-friendly data. Use the PDF button to export the displayed result section as a portable report.