Monthly income is stated as your gross income net income or take-home pay?

Answer 1

To answer the question we should first define the point of view, which is determined by the purpose who or why do we want to make this differentiation. If we see it from the point of cost calculation in a company during head count budgeting or negotiation of the salary of a new hire or to determine your annual fiscal burden and where applicable any tax credits and other government grants, usually the gross income figure is used.

If the purpose of stating the personal income is for credit rating, applying for a mortgage or loans, then only the disposable income matters, which is your take home pay. However there is still a difference to net pay, since the net pay is your gross income including payments inking less tax and other deductibles, which is not necessary your net cash in the pocket, as payment in kind are valuated in whatever currency, but obviously not paid out in cash.