After-Tax Hourly Rate Calculator: Net Pay Per Hour (2026)

After-tax hourly rate calculator: FAQs

How do I calculate my after-tax hourly rate?

Multiply your gross hourly rate by (1 minus your estimated tax rate). At a 25% effective tax rate: $20/hr × 0.75 = $15/hr net. At 30%: $20/hr × 0.70 = $14/hr net. Enter your gross rate and estimated tax rate in the calculator above to see net hourly, daily, weekly, and yearly take-home pay instantly.

What is take-home hourly pay?

Take-home hourly pay is the amount you earn per hour after income taxes and mandatory deductions are withheld. Most US workers keep 70–82% of their gross hourly rate depending on their state and income level. In Texas or Florida (no state income tax), effective rates run approximately 18–22%. In California, 25–30%.

Is this hourly rate calculator accurate?

This calculator provides an estimate based on the tax rate you enter. Actual take-home pay depends on deductions, benefits, filing status, and local tax laws. For state-specific accuracy, use the California, Texas, or Florida hourly paycheck calculators which apply actual 2026 tax rates.

Does this include state or provincial taxes?

Yes. Enter a combined estimated tax rate that includes federal, state, and local taxes. Typical combined effective rates for hourly workers: 18–22% in no-tax states (Texas, Florida, Washington), 22–26% in mid-tax states (Colorado, Arizona), 25–30% in high-tax states (California, New York).

Can freelancers and contractors use this calculator?

Yes. Freelancers and contractors can use this calculator to estimate after-tax hourly income. Note that self-employed workers pay both the employee and employer portions of FICA (15.3% total vs 7.65% for employees), so use a higher estimated tax rate — typically 28–35% combined for most self-employed workers. For a dedicated self-employment calculator, see the after-tax self-employed calculator.