When you set up a Savings and Spending Budget, you set goals based on your gross income rather than your net because net income can exclude savings accounts you want to track such as retirement.

When you set up your Savings and Spending Budget and want to estimate your gross income, include everything: salary, bonuses, commissions, income from self-employment, dividends, retirement income, child support, and whatever else you receive from any source.

If you track net pay in Money, go ahead and estimate your gross income as you set up your savings and spending goals. Later, you can adjust Money to track your actual gross income or adjust the Savings and Spending Budget for net income.