Retirement tax questions

For the CC application purposes ... net income for you would be the gross less any taxes withheld from your income.   This is NOT shown anywhere on a tax return.   Look at your income sources for the gross and any fed/state taxes that are withheld.   And you don't need to be "on the penny" for one of those applications ... a good guess is just fine.  I have never had any CC company ask for proof of income ever.