Paycheck & Salary Calculator

Paycheck & Salary Calculator

Convert hourly to salary (and back), and estimate your take-home pay after taxes and deductions. Includes a 2026 US federal estimate plus a flat-rate mode for any country.

$
Pre-tax & post-tax deductions

How to Use the Paycheck & Salary Calculator

  1. Enter your pay. Type the amount and choose whether it is hourly, weekly, monthly, annual and so on. Adjust hours per week, days per week and weeks per year to match your schedule.
  2. See every equivalent. The Salary Converter instantly shows your pay as an hourly, daily, weekly, bi-weekly, semi-monthly, monthly and yearly figure.
  3. Estimate take-home pay. Switch to the Take-Home tab, pick the US federal estimate (2026) or a flat rate for any country, and add deductions like 401(k), health premiums or state tax.
  4. Read the breakdown. See net pay per period, your effective tax rate, and a visual split of where every dollar goes.

Gross Pay vs. Net (Take-Home) Pay

Gross pay is your salary before anything is taken out. Net pay — your take-home pay — is what actually lands in your bank account after income tax, payroll taxes and deductions. The gap between the two is often larger than people expect, which is why a salaried offer and your real monthly budget can feel so different.

The US federal estimate uses the 2026 IRS tax brackets and standard deduction along with Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%, plus 0.9% above $200,000). Pre-tax contributions such as a traditional 401(k) lower your taxable income, while a flat-rate mode lets workers anywhere apply their own effective tax percentage. You can also model state tax as a simple percentage.

This tool is an estimate to help you plan and compare offers. It does not include every credit, local tax or special rule, so treat the results as a close approximation rather than an exact paystub.

Common Use Cases

💼 Comparing job offersTurn an hourly rate and a salary into the same units to compare fairly.
💰 BudgetingSee your real monthly take-home pay after taxes and deductions.
⌛ Freelance & hourlyFind the annual salary your hourly rate adds up to.
🏢 Raise & negotiationCheck how a higher rate changes your net pay per check.
🌍 Any countryUse flat-rate mode with your local effective tax percentage.
📈 Retirement planningSee how 401(k) contributions affect your taxable income and take-home pay.

Why Choose This Calculator

  • Two-way conversionHourly, daily, weekly, bi-weekly, monthly and annual, all at once.
  • 2026 tax dataCurrent US federal brackets, standard deduction and FICA built in.
  • Works worldwideFlat-rate mode and a currency selector for any country.
  • Deductions & 401(k)Model pre-tax and post-tax deductions and state tax.
  • Clear breakdownNet pay per period, effective rate and a visual dollar split.
  • Private & instantCalculates live in your browser. Nothing is uploaded.

Frequently Asked Questions

How do you convert hourly pay to an annual salary?
Multiply your hourly rate by the hours you work per week and then by the number of weeks you work per year. For example, $30/hour at 40 hours a week for 52 weeks is $30 × 40 × 52 = $62,400 per year. Adjust the hours and weeks fields for part-time or seasonal work.
Is the take-home estimate exact?
No. It is a close estimate using 2026 federal brackets, the standard deduction and FICA, plus any deductions and state percentage you enter. It does not include every credit, local tax or special rule, so your actual paycheck may differ.
Does it handle state taxes?
It applies state tax as a simple flat percentage you enter, because every state is different and some have no income tax at all. For an exact figure, check your state's tax tables.
Can I use it outside the United States?
Yes. Choose the flat-rate tax method, enter your own effective income tax percentage, pick your currency, and add any deductions. The conversion features work the same everywhere.
How does a 401(k) affect my paycheck?
Traditional 401(k) contributions are taken from your pay before federal income tax, lowering your taxable income and your income tax, though Social Security and Medicare still apply. The money goes into your retirement account rather than your bank, so your take-home pay drops by less than the full contribution.
Is this financial or tax advice?
No. This calculator is for general information and planning only and is not tax, legal or financial advice. For decisions about your specific situation, consult a qualified professional.

Related Tools

Loan EMI Calculator Compound Interest Calculator Mortgage Calculator Percentage Calculator VAT & GST Calculator Discount Calculator
Scroll to Top