Legal analysis: after deducting five insurances and one gold from the salary of 6,000 yuan, personal income tax will be deducted. The personal income tax threshold for wage income is 5000 yuan, and the tax rate is 3%, which needs to be deducted (5040-5000)*3%= 1.2. The actual salary needs to be deducted from five insurances and one gold and personal income tax, so if the personal salary is 6000 yuan, then the individual tax is 1.2 yuan after deducting five insurances and one gold in 960 yuan. The final actual salary is 5038.8 yuan.

Legal basis: Article 3 of the Individual Income Tax Law of People's Republic of China (PRC), the tax rate of individual income tax:

(1) For comprehensive income, the excess progressive tax rate of 3% to 45% shall apply;

(2) The excess progressive tax rate of 5% to 35% shall apply to the operating income;

(3) Income from interest, dividends and bonuses, income from property leasing, income from property transfer and accidental income shall be subject to the proportional tax rate of 20%.