Convert a salary between hourly, weekly, bi-weekly, monthly and annual pay, and see take-home after 2026 federal brackets, your state and FICA.
These set the hourly and daily rows. Every other period comes from the annual figure.
State tax uses that state's own 2026 brackets and deductions. City and county taxes are separate — add yours under the optional adjustments.
Gross pay at 40 hours a week for 52 weeks, before any tax.
Reference: gross pay by hourly wage at full-time hours.
| Hourly | Weekly | Monthly | Annual |
|---|---|---|---|
| $15.00/hr | $600 | $2,600 | $31,200 |
| $18.00/hr | $720 | $3,120 | $37,440 |
| $20.00/hr | $800 | $3,467 | $41,600 |
| $25.00/hr | $1,000 | $4,333 | $52,000 |
| $30.00/hr | $1,200 | $5,200 | $62,400 |
| $40.00/hr | $1,600 | $6,933 | $83,200 |
| $50.00/hr | $2,000 | $8,667 | $104,000 |
Estimates for educational purposes only, using 2026 federal and state rates. This is an estimate of annual tax liability with the standard deduction and no credits, not your employer's withholding and not tax advice. Confirm with a tax professional before acting on it.
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Enter pay at any frequency — an hourly rate, a weekly cheque, an annual offer — and this converts it across every pay period at once, gross beside take-home. The take-home figure uses the real 2026 federal brackets for your filing status, your state's own 2026 brackets and deductions, and FICA, rather than asking you to supply a tax rate you would have to already know. It is built for the question a job offer raises: what is $95,000 actually worth per hour, per month, in the state where you live?
Every conversion runs through an annual figure. An hourly rate becomes annual by multiplying by hours per week and 52 weeks — 40 hours across 52 weeks is 2,080 hours, so $25 an hour is $52,000. From there the annual amount divides by the periods in a year: 12 monthly, 24 semi-monthly, 26 bi-weekly, 52 weekly, 4 quarterly. Semi-monthly and bi-weekly are not the same thing, which is why the two rows differ by roughly 8 %. Take-home applies three separate taxes to three different bases: Social Security and Medicare on your wages minus any section 125 benefits, federal income tax on wages minus those benefits, minus a 401(k) deferral, minus the standard deduction, and state income tax on your state's own version of that base.
Core formula
One quoted hourly and one quoted annually, in different states, become directly comparable once both are shown as take-home per month.
Work out what an employed salary is worth per hour after tax, then price contract work above it to cover self-employment tax and unpaid time.
The monthly and bi-weekly take-home rows are the numbers a household budget is actually built from.
Hold the salary constant and change the state to see the tax difference on its own, before cost of living enters the picture.
Add a 401(k) contribution and watch federal tax fall while Social Security and Medicare do not — the difference between the two pre-tax kinds becomes visible.
Compare the annual figures here with twelve months of payslips; a large gap usually means a W-4 that needs revisiting.
A $100,000 offer lands as roughly $79,000 for a single filer with no state tax, and closer to $72,000 in California. Comparing gross figures across states compares the wrong number.
Dividing a salary by 2,080 gives a gross hourly rate. Dividing take-home by the hours you actually work gives what an hour of your life is worth after tax — the figure that makes a freelance rate or a second job comparable.
Nine states levy no wage income tax at all. On $120,000 the difference between one of them and a high-rate state runs to five figures a year, before any cost-of-living difference.
A health premium under section 125 escapes Social Security and Medicare as well as income tax; a 401(k) deferral escapes income tax only. Two deductions of the same size do not cost the same.
The bracket you land in applies only to the last dollars you earn. The effective rate — total tax over gross — is always lower, and it is the one that describes your actual pay.
Seeing gross and net side by side across every period turns “they offered me $8,000 more” into what actually reaches your account each month.
Multiply the hourly rate by hours worked per week, then by 52. At 40 hours a week that is 2,080 hours a year, so $25 an hour is $52,000 and $30 an hour is $62,400. Fewer hours scale it down proportionally: 25 hours a week at $25 is $32,500.
At 40 hours a week across 52 weeks, $60,000 is $28.85 an hour gross. After federal tax, Social Security and Medicare, a single filer in a state with no income tax keeps about $23.55 of that.
For a single filer in 2026 with no state income tax, roughly $79,180 — $13,170 of federal income tax on $83,900 of taxable income after the $16,100 standard deduction, plus $7,650 of Social Security and Medicare. A state income tax comes off on top of that, so the figure is lower in most states.
Not exactly, and the difference is deliberate. This page estimates the tax you actually owe for the year. Your employer withholds using IRS Publication 15-T and your Form W-4, which is a different procedure — that is what the Paycheck Calculator models. The two reconcile when you file, and the gap between them is your refund or your bill.
Bi-weekly is every two weeks, so 26 cheques a year. Semi-monthly is twice a month, so 24. The annual total is identical but each semi-monthly cheque is about 8 % larger, and bi-weekly pay produces two months a year with three cheques instead of two.
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming levy no tax on wage income in 2026. New Hampshire and Washington do tax some investment income, and Washington's capital gains tax does not touch wages.
Four things come out: Social Security at 6.2 % up to $184,500 of wages, Medicare at 1.45 % on everything, federal income tax on your taxable income, and state income tax in 41 states plus DC. Any 401(k) contribution or health premium also leaves your pay, though those are money you keep or spend rather than tax.
No. A 401(k) or 403(b) elective deferral reduces income tax only; Social Security and Medicare are still charged on the full amount. Health premiums and HSA contributions made under a section 125 plan do reduce all three, which is why the calculator asks for them separately.
$16,100 for single filers and married filing separately, $32,200 for married filing jointly, and $24,150 for head of household. It is subtracted from your wages before the federal brackets are applied, which is why your taxable income is lower than your salary.
$184,500. Social Security tax stops once your wages for the year reach it, so a salary above that pays a maximum of $11,439 in Social Security tax. Medicare has no cap and keeps applying to every dollar.
An extra 0.9 % on wages above $200,000 for single and head-of-household filers, $250,000 married filing jointly and $125,000 married filing separately. Employers withhold it above $200,000 regardless of your status, so joint filers between $200,000 and $250,000 have it withheld and get it back at filing.
Only if you enter a rate. Several cities and counties levy their own income tax — New York City, Philadelphia, and many Ohio and Pennsylvania municipalities among them — and the state-level source data does not include them, so there is a field for it under the optional adjustments.
No. The figure here uses the standard deduction and nothing else, so anyone claiming dependants or credits will owe less than it shows. Treat it as a ceiling and use the Income Tax Calculator for a figure that includes credits.
2,080 at 40 hours a week for 52 weeks, which is the divisor this calculator and most employers use. Subtracting public holidays and paid leave lowers the hours you actually work without changing what you are paid — the Hourly to Salary Calculator handles that distinction.