Income & Pay After-Tax Calculators (2026)
Free calculators for salary, hourly wages, paychecks, bonuses, raises, and take-home pay by state — all using 2026 tax rates. Find the right tool for your situation below.
Jump to: Take-home pay · Hourly & paycheck · Job & offer comparison · Pay conversions · FAQs
Take-home pay calculators
Estimate your net income after federal tax, state tax, and FICA deductions. For state-specific paycheck calculators see the state tax calculator index.
- Take-home pay calculator Full line-by-line tax breakdown — federal, state, Social Security, Medicare. All 50 states. Start here for the most complete after-tax picture.
- Salary calculator Annual salary → monthly, biweekly, weekly, daily, and hourly pay at once — gross and after-tax by state
- After-tax salary calculator Estimate net annual salary using your effective tax rate — simple and fast
- After-tax paycheck calculator Estimate net pay per paycheck at any pay frequency (weekly, biweekly, monthly)
- Biweekly paycheck calculator Convert annual salary or hourly wage to biweekly gross and after-tax pay
- Income tax estimator Quick estimate of total income tax owed at any salary level
Hourly wage & paycheck calculators
Convert hourly rates to after-tax weekly, biweekly, and annual income. For state-specific results see the California, Texas, or Florida hourly paycheck calculators.
- U.S. hourly paycheck tax calculator Fast hourly take-home after federal + FICA — $15/hr = ~$540/wk · $20/hr = ~$700/wk. All 50 states.
- Net hourly wage calculator What you actually take home per hour after taxes — enter any gross rate and effective tax rate
- After-tax hourly rate calculator Gross hourly rate → net hourly take-home after all deductions
- Overtime pay calculator Calculate gross and net overtime pay at 1.5× or any multiplier
- Bonus & severance tax calculator Estimate net payout from a bonus or severance after tax withholding
Job offer & compensation comparison
Evaluating a new offer, a raise, or a switch from salary to hourly? These tools compare after-tax outcomes side by side.
- Salary vs hourly calculator Compare total after-tax compensation — break-even rate, overtime impact, and benefits analysis
- Pay raise calculator Enter raise % or dollar amount → new salary and after-tax take-home across all pay periods
- Contractor vs employee calculator Compare W-2 employee vs 1099 contractor net income after self-employment tax and benefits
- Compare take-home pay by state Enter one salary and compare any 2–3 states side by side — useful for relocation or remote work decisions
- Relocation tax impact calculator See the full after-tax income difference of moving to a new state
Pay period conversion calculators
Convert between hourly rates and annual salaries, or between any pay frequencies.
- Hourly to salary calculator Convert hourly rate to annual, monthly, and weekly gross salary — adjustable for any schedule
- Salary to hourly calculator Convert annual salary to an equivalent hourly rate — $75k = $36.06/hr · $100k = $48.08/hr
- Hourly to annual salary calculator Hourly wage × hours × weeks = annual gross — $20/hr = $41,600/yr · $25/hr = $52,000/yr
Ready to file?
Once you know your after-tax income, these tools handle the actual filing:
- TurboTax — guided filing for W-2, 1099, and multi-income returns
- FreeTaxUSA — free federal filing for W-2 and hourly workers
- H&R Block — file with a tax professional for complex situations
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Income & pay: FAQs
How do I calculate my take-home pay after taxes?
Take-home pay is calculated by subtracting federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%) from gross income. For a $75,000 salary in Texas, take-home is approximately $59,500/year. In California, approximately $54,800/year. Use the take-home pay calculator with your state selected for a precise estimate.
What is the difference between gross income and net income?
Gross income is your total earnings before taxes or deductions. Net income — also called take-home pay — is what you keep after federal income tax, state income tax, Social Security, and Medicare are deducted. For most US workers, net income is 70–82% of gross income depending on state and filing status. See the full gross vs net income guide.
Are bonuses and severance taxed differently?
Bonuses and severance are typically withheld at a flat 22% federal supplemental rate (or 37% for amounts over $1 million), though your actual tax owed at year-end depends on your total annual income. If your effective rate is lower than 22%, you may receive a refund for the over-withheld bonus tax. Use the bonus and severance tax calculator to estimate your net payout.
How does hourly pay convert to annual salary?
Multiply your hourly rate by 2,080 (40 hours × 52 weeks) for standard full-time annual gross income. Examples: $15/hr = $31,200/yr · $20/hr = $41,600/yr · $25/hr = $52,000/yr · $30/hr = $62,400/yr. After taxes at 25% effective rate: $20/hr = approximately $31,200/yr take-home. Use the hourly to annual calculator for any rate.
How does a pay raise affect my take-home pay?
A pay raise increases gross income but may push some earnings into a higher marginal tax bracket, so the after-tax increase is slightly less than the gross raise. A 5% raise on $60,000 adds $3,000 gross — approximately $2,250–$2,400 after taxes depending on state. Use the pay raise calculator for an exact after-tax figure across all pay periods.
What is the difference between salary and hourly pay for taxes?
Salary and hourly income are taxed identically by the IRS — both are ordinary income subject to the same federal brackets and FICA rates. The same annual gross income produces the same tax bill regardless of structure. The real differences are overtime eligibility, income stability, and employer benefits — not tax treatment. See the salary vs hourly calculator for a full after-tax comparison.