Salary Calculator – Hourly to Annual & Net Take-Home Pay

Convert between hourly wage, daily pay, weekly salary, monthly income, and yearly salary with our free calculator and see your take-home pay after taxes.

Tax Calculator

Include Federal & State Taxes
Frequency
Gross Pay
Net Pay
Tax Amount
Annual Tax Breakdown
This calculator provides estimates based on 2025 tax brackets and standard deductions. Results are for informational purposes only and should not be considered tax advice.

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Key Benefits of Using a Salary Converter

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Complete Income & Net Pay Conversion

Convert between hourly wages, daily, weekly, bi-weekly, semi-monthly, monthly income, quarterly and yearly. Compare how each one affects your taxes to understand your income from every angle

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Accurate Net Pay Estimates

See your take-home pay after federal, state, and FICA taxes. Check out how taxes impact your take-home pay across different payment frequencies. Calculate take-home pay with customizable tax rates for flexible financial planning

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Compare Jobs & Offers Side-by-Side

Whether you’re evaluating a salaried vs hourly job, or in-state vs out-of-state offer, you’ll know which one actually pays more after taxes. Compare different pay structures and different tax rates to make informed career decisions based on your actual take-home pay.

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Financial & Business Planning

Essential for business owners and entrepreneurs to calculate fair employee wage or determine self income needs. Calculate what to charge clients, set your income targets, or determine your own salary as a freelancer or small business owner. Plan salaries and understand your states basic tax implications for better financial business decisions.

Step-by-Step Calculator Guide

1

Enter youre Gross Income

Type in your total pre-tax income in the “Amount” field. This could be hourly-yearly.

2

Select Payment Frequency

Select how often the income is received from the dropdown menu on "Frequency"

3

Select Payment Frequency

This ensures accurate tax estimates for a more accurate federal and state income tax calculation.

4

View Your Net Pay Results

Instantly see your gross vs net pay broken down by pay period, including federal tax, state tax, and FICA deductions.

Understanding Tax Impact on Your Salary

Federal Income Tax
Federal income tax is based on a progressive system with rates ranging from 10% to 37%, depending on your income bracket. Effective federal tax rate is typically lower than your highest bracket because only portions of your income are taxed at higher rates.
State and Local Taxes
State income taxes significantly affect your net pay, varying from 0% to over 13%. Some cities and counties also impose local income taxes. These taxes can significantly impact your take-home pay, especially in high-tax areas.
FICA Taxes
FICA taxes fund Social Security (6.2% of wages up to a limit) and Medicare (1.45% on all wages, plus 0.9% for high earners). FICA taxes are flat rates on your earnings up to certain thresholds. Usually they’re automatically withheld from your paycheck.

Why Salary Conversion Matters

Understanding your income across different frequencies helps in:

  • Budgeting monthly expenses and savings goals
  • Planning for irregular freelance or gig work pay cycles
  • Deciding whether to accept salaried or hourly job offers
  • Determining how much to charge clients as a freelancer or small business owner

This calculator is especially helpful for career changers, side hustlers, remote workers, and entrepreneurs looking to maximize income clarity.

🧾 Frequently Asked Questions
Everything you need to know about our Salary & Take-Home Pay Calculator
How accurate is this net pay calculator for estimating my income after taxes?
Our salary calculator uses 2025 federal tax brackets and your selected state tax rates to estimate your take-home pay. For best results, enter your correct filing status and location. While it can't account for every individual deduction, it gives a close approximation of your after-tax income.
Can I use this tool to calculate take-home pay with deductions like 401(k) or health insurance?
This tool estimates take-home pay based on income tax only (federal, state, and FICA). To include other deductions—like 401(k) contributions, health insurance, or pre-tax commuter benefits—you'll need to subtract those manually after seeing your net pay result.
How do I compare job offers using this calculator?
To compare offers, enter the salary or hourly wage for each position and apply the relevant tax settings (e.g., different states, pay frequencies, or filing statuses). This lets you accurately evaluate which job provides the higher take-home income after taxes—not just the higher gross pay.
Can I use this calculator to convert hourly to yearly salary or vice versa?
Yes! Enter your hourly rate and select the appropriate pay frequency to instantly convert between hourly, daily, weekly, monthly, and annual income. The calculator assumes 40 hours per week and 52 working weeks per year.
What's the difference between gross pay and net pay?
Gross pay is the total amount you earn before taxes and deductions. Net pay (also called take-home pay) is what you actually receive after income tax, FICA, and other deductions. This calculator helps you estimate your net pay with taxes applied.
How do taxes change if I live in a state with no income tax?
If you live in states like Texas, Florida, or Nevada, you'll pay 0% state income tax. In these cases, only federal income tax and FICA (Social Security and Medicare) apply, meaning you'll likely take home more of your gross pay compared to someone in a high-tax state like California or New York.
What's the difference between bi-weekly and semi-monthly pay schedules?
Bi-weekly: Paid every two weeks = 26 paychecks/year
Semi-monthly: Paid twice a month = 24 paychecks/year

Though similar, this small difference can affect budgeting and deductions. Our calculator adjusts results automatically based on your chosen pay frequency.
What working hours does the calculator assume for conversions?
The default assumptions reflect that of a full-time schedule; 8 hours/day, 40 hours/week, 2080 work hours/year. If you work fewer or more hours, manually adjust your inputs for the most accurate results.
Can this calculator handle freelance or self-employed income?
Yes — freelancers and contractors can use this to estimate their take-home pay. Just enter your expected gross income and apply your estimated self-employment tax rate in place of typical payroll deductions.
How do I know my effective tax rate?
Your effective tax rate is the average percentage you pay on your total income, not your highest tax bracket. You can estimate it by dividing your total taxes paid by your gross income. Our calculator applies tax brackets to simulate this for you automatically.