Net pay refers to the amount what you actually get to take home. we can say that it’s your gross pay from which taxes are deducted. For example, if your gross pay is $3,000 and you paid $600 in taxes, benefits and other deductions, that would make your net pay $2,400.
YTD is an abbreviation which is used for year-to-date. So if you get your paycheck on June 1, your year-to-date earnings will reflect everything you’ve earned since January 1.
