Hourly Paycheck Calculator
Enter your hourly wage and see exactly what you take home each paycheck after federal income tax, Social Security, Medicare, and state tax. Supports overtime, unpaid vacation, all filing statuses, and all 50 states using 2024 tax brackets.
Hours over 40 are auto-calculated at 1.5×
Extra overtime on top of your regular schedule
Reduces your actual annual earnings
Take-Home Per Paycheck
$1,683.31
Bi-Weekly (Every 2 Weeks) · 26 paychecks/year
Annual Take-Home
$43,766.00
from $52,000.00 gross
Effective Fed Rate
8.2%
Marginal Fed Rate
12.0%
Total Tax Rate
15.8%
Pay Breakdown
| Item | Per Paycheck | Annual |
|---|---|---|
| Gross Pay | $2,000.00 | $52,000.00 |
| Federal Income Tax | −$163.69 | −$4,256.00 |
| Social Security (6.2%) | −$124.00 | −$3,224.00 |
| Medicare (1.45%) | −$29.00 | −$754.00 |
| Texas (No State Income Tax) | — | — |
| Net Take-Home | $1,683.31 | $43,766.00 |
Estimates use 2024 federal tax brackets and standard deductions. State tax uses an approximate effective rate for the selected state and does not model local/city taxes. This calculator does not account for pre-tax deductions (401(k), HSA, health insurance premiums), the Additional Medicare Tax, or alternative minimum tax. Actual withholding will vary. Consult your employer's HR department or a tax professional for precise figures.
How to Use This Hourly Paycheck Calculator
This calculator estimates your net take-home pay and the equivalent annual salary for any hourly wage, accounting for federal income tax, FICA taxes, and state income tax. Here's what each input controls:
- Hourly Wage — Your base pay rate before any taxes or deductions. Enter your current rate or a rate you're evaluating for a new job offer.
- Hours Per Week — Your regular scheduled hours. Any hours you enter above 40 are automatically calculated at 1.5× (overtime rate). A standard full-time schedule is 40 hours per week.
- Additional Overtime Hours — If you regularly work extra overtime beyond your scheduled hours, enter those additional hours here. They are added to any automatic overtime from the hours-per-week input, all at 1.5×.
- Unpaid Vacation / Time Off — Enter the number of weeks per year you take unpaid. This reduces your actual working weeks from 52, lowering your real annual gross income. If your employer provides paid PTO, leave this at zero.
- Pay Frequency — How often you receive a paycheck. Bi-weekly (26 paychecks/year) is the most common in the US; semi-monthly is 24 paychecks/year.
- Filing Status — Your federal tax filing status determines both your standard deduction and which tax brackets apply. If unsure, single filers use "Single"; married couples filing together use "Married Filing Jointly."
- State — Select your state of residence to apply the appropriate state income tax rate. Nine states have no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming.
How Paycheck Taxes Are Calculated
Gross Pay
Weekly = (hrs ≤ 40 × rate)
+ (hrs > 40 × rate × 1.5)
Annual = Weekly × working weeksWorking weeks = 52 minus any unpaid vacation weeks. Salary equivalent always uses 40 hrs × 52 weeks.
Federal Income Tax
Taxable = Gross − Std. Deduction
Tax = Progressive brackets- Standard deduction: $14,600 (single)
- Standard deduction: $29,200 (MFJ)
- Standard deduction: $21,900 (HOH)
FICA Taxes (2024)
Social Security = min(Gross, $168,600) × 6.2%
Medicare = Gross × 1.45%Social Security stops being withheld once your wages exceed the $168,600 wage base. Medicare has no cap.
2024 Federal Tax Brackets (Single Filer)
| Taxable Income | Tax Rate |
|---|---|
| $0 – $11,600 | 10% |
| $11,601 – $47,150 | 12% |
| $47,151 – $100,525 | 22% |
| $100,526 – $191,950 | 24% |
| $191,951 – $243,725 | 32% |
| $243,726 – $609,350 | 35% |
| Over $609,350 | 37% |
Married Filing Jointly brackets are roughly double the single brackets. Only the income within each bracket is taxed at that rate.
Frequently Asked Questions
To calculate take-home pay from an hourly wage, multiply your hourly rate by your weekly hours to get weekly gross pay, then multiply by 52 to get annual gross pay. From that, subtract federal income tax (calculated using the progressive 2024 tax brackets after your standard deduction), Social Security tax (6.2% on wages up to $168,600), Medicare tax (1.45%), and your state income tax. What remains is your annual net pay — divide by your number of pay periods to get your per-paycheck take-home. For example, $25/hr × 40 hrs × 52 weeks = $52,000 gross. After taxes, a single filer in Texas would take home approximately $40,500 annually.
The standard formula to convert an hourly rate to an annual salary is: hourly rate × 40 hours × 52 weeks = annual salary. This assumes a standard full-time schedule with no unpaid time off. Common conversions: $15/hr ≈ $31,200/yr, $20/hr ≈ $41,600/yr, $25/hr ≈ $52,000/yr, $30/hr ≈ $62,400/yr, $40/hr ≈ $83,200/yr, $50/hr ≈ $104,000/yr. If you take unpaid vacation, your actual annual earnings will be lower — use the vacation weeks input in this calculator to see the real impact on your income.
Federal income tax is calculated using a progressive bracket system — different portions of your income are taxed at different rates. For 2024, the rates are 10%, 12%, 22%, 24%, 32%, 35%, and 37% depending on your taxable income and filing status. Before applying the brackets, your standard deduction is subtracted: $14,600 for single filers, $29,200 for married filing jointly, and $21,900 for head of household. Importantly, your effective tax rate (the overall percentage of your income paid in federal tax) is always lower than your marginal rate (the rate on your last dollar of income). Most middle-income earners have effective federal rates between 10–18%.
FICA stands for the Federal Insurance Contributions Act and covers two taxes: Social Security and Medicare. Social Security is withheld at 6.2% of your wages up to the 2024 wage base of $168,600 — above that, no further Social Security tax is withheld. Medicare is withheld at 1.45% on all wages with no cap. Together, FICA taxes total 7.65% for most workers. Your employer pays a matching 7.65% on your behalf (which does not come out of your paycheck). Self-employed individuals pay both halves, totaling 15.3%, though they can deduct half of this on their tax return.
Yes — overtime increases your gross income, which can push you into a higher marginal federal tax bracket and increase your overall tax liability. However, only the portion of your income above each bracket threshold is taxed at the higher rate; the progressive system means your base income is still taxed at the lower rates. Overtime is also subject to FICA taxes. Practically speaking, if your overtime income pushes you from the 22% bracket into the 24% bracket, only the dollars above the threshold are taxed at 24% — not your entire income. This calculator factors in overtime at 1.5× your base rate.
As of 2024, nine states impose no income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire does not tax wages but historically taxed interest and dividends income (this phase-out was completed in 2025). Living in a no-income-tax state can meaningfully increase your take-home pay — at $60,000 annual income, a state with a 6% tax rate costs roughly $3,600 per year compared to a no-income-tax state. This calculator lets you select any state to compare the impact.
Unpaid vacation directly reduces your annual gross income because you work fewer weeks. For example, if you earn $25/hr at 40 hours per week and take 2 weeks of unpaid vacation, you work 50 weeks instead of 52 — your annual gross drops from $52,000 to $50,000, a $2,000 difference. Since your total taxable income also falls, you may owe slightly less in federal income tax as well. If your employer provides paid time off (PTO), your gross income remains the same regardless of how much vacation you take, since you are still paid for those weeks.
Related Calculators
Salary Calculator
Calculate take-home pay, federal and state taxes, and net income from any annual salary.
Retirement Planner
Project your retirement savings and monthly contribution needed.
Mortgage Calculator
Estimate your monthly mortgage payment and full amortization schedule.