Hourly Take-Home Pay Calculator
Convert your hourly wage to annual, monthly, biweekly, or weekly take-home pay after federal income tax, FICA, and state income tax. Select "Hourly wage" in the Pay Type dropdown below, then enter your state and filing status.
Your Income
Find your actual rate: California FTB tax rate schedules
Annual Pay Breakdown
| Item | Annual Amount | % of Gross |
|---|
How the Estimate Is Calculated
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Step 1 — Federal Taxable Income
Taxable Income = Gross Annual Salary − Standard Deduction 2026 standard deductions (Rev. Proc. 2025-32): Single $16,100 · Married Filing Jointly $32,200 · Head of Household $24,150
Step 2 — Federal Income Tax (progressive brackets)
Federal Tax = Σ (bracket rate × income in that bracket)
2026 brackets for single filers (taxable income after deduction):
10% on $0–$12,400 · 12% on $12,401–$50,400 · 22% on $50,401–$105,700 ·
24% on $105,701–$201,775 · 32% on $201,776–$256,225 · 35% on $256,226–$640,600 · 37% over $640,600
Married Filing Jointly brackets are approximately double the single thresholds.
Source: IRS Rev. Proc. 2025-32
Step 3 — FICA (Social Security + Medicare)
SS Tax = min(Gross, $184,500) × 6.2%Medicare = Gross × 1.45% SS wage base $184,500 for 2026. No wage base cap on Medicare. Source: IRS Topic 751
Step 4 — State Income Tax (simplified estimate)
State Tax = (Gross − State Deductions) × Effective State Rate
For Texas and Florida: $0 (no state income tax, verified taxfoundation.org 2026).
For Pennsylvania: flat 3.07% of gross (no state standard deduction) — PA Dept of Revenue.
For Illinois: 4.95% × (Gross − $2,925 personal exemption) — IL Dept of Revenue.
For California: enter your estimated effective rate (CA has 9 progressive brackets; use the FTB rate schedule to find yours).
For New York, Ohio, and other states: enter your estimated effective rate.
Step 5 — Take-Home Pay
Net Pay = Gross − Federal Tax − SS Tax − Medicare Tax − State Tax Common Hourly Wage Take-Home Estimates (Single Filer, No State Income Tax)
| Hourly Rate | Annual Gross | ~Annual Net | ~Monthly Net | ~Biweekly Net |
|---|---|---|---|---|
| $15/hr | $31,200 | ~$25,900 | ~$2,158 | ~$996 |
| $18/hr | $37,440 | ~$30,760 | ~$2,563 | ~$1,183 |
| $20/hr | $41,600 | ~$33,800 | ~$2,817 | ~$1,300 |
| $25/hr | ~$52,000 | ~$41,600 | ~$3,467 | ~$1,600 |
| $30/hr | $62,400 | ~$49,200 | ~$4,100 | ~$1,892 |
| $40/hr | $83,200 | ~$63,900 | ~$5,325 | ~$2,458 |
| $50/hr | $104,000 | ~$77,700 | ~$6,475 | ~$2,988 |
Estimates assume 40 hours/week, single filing status, no state income tax (TX/FL), 2026 federal brackets. State income taxes will reduce these figures. Use the calculator above for your exact state and situation.
Take-Home Pay by State
Frequently Asked Questions
Annual gross = hourly rate × hours per week × 52. For example, $20/hour × 40 hours × 52 weeks = $41,600/year. The calculator does this conversion automatically when you select "Hourly wage" as the pay type.
Yes. Federal income tax, Social Security (6.2%), and Medicare (1.45%) apply equally regardless of whether you are paid hourly or on salary. The same IRS tax brackets apply to your annualized wages. State income tax also applies the same way.
At $20/hour, 40 hours/week, annual gross is $41,600. For a single filer in a no-income-tax state (TX or FL), estimated take-home is roughly $33,200–$33,800/year (~$1,280–$1,300 biweekly). In a state with income tax, deduct an additional 3–7% from that figure depending on the state.
A biweekly pay period means you receive 26 paychecks per year. For an hourly worker at $25/hour working 80 hours per pay period, gross per paycheck is $2,000. The calculator shows biweekly net pay when you select "Biweekly (26 pays)" in the pay period dropdown.
This calculator assumes all hours are paid at your base hourly rate. Overtime (time-and-a-half or double-time) is not separately modeled. For overtime scenarios, enter your blended effective hourly rate, or manually increase the annual gross and switch to "Annual salary" mode.