Net Hourly Wage Calculator: Take-Home per Hour (2026)
Use this net hourly wage calculator to apply your own effective tax-rate assumption to gross hourly pay and estimate take-home per hour, week, month, and year. For a state-aware paycheck estimate using the site's tax model, use the U.S. hourly paycheck tax calculator.
On this page: Quick reference table · Calculator · Which tax rate to use · How it works · Salary-to-hourly table · Contractor estimates · FAQs
Net hourly wage calculator
Enter your gross hourly rate and effective tax rate to see your real after-tax take-home per hour, week, month, and year.
Net hourly wage: $
Net weekly pay: $
Net monthly pay: $
Net annual pay: $
This uses your effective tax rate (average %) to estimate take-home pay. For a paycheck-style estimate with withholding by state, use the U.S. hourly paycheck tax calculator. Not sure of your effective rate? See the guide below.
Net hourly wage vs. after-tax hourly rate
Both tools can apply an effective-rate assumption to an hourly wage, but this page is the deeper net hourly wage resource: it adds salary-to-hourly benchmarks, multiple tax-rate scenarios, and a separate contractor section. It is useful when you are comparing what an hour of work is worth across wages or work arrangements.
Use the after-tax hourly rate calculator when you only want a quick gross-rate-to-net-rate conversion. Use the U.S. hourly paycheck tax calculator when you want the site's federal/FICA model and state planning inputs instead of supplying your own effective rate.
Calculated your net hourly estimate?
For tax filing after you compare pay scenarios: TurboTax↗ or FreeTaxUSA↗.
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Hourly wage after taxes: 20%, 25% and 30% scenarios (2026)
Common hourly wages under three simple effective-rate assumptions (40 hrs/week, 52 weeks). These are planning scenarios, not state-specific tax-rate estimates:
| Hourly Rate | Annual Gross | Net/hr (20%) | Net/hr (25%) | Net/hr (30%) | Net Weekly (25%) | Net Annual (25%) |
|---|---|---|---|---|---|---|
| $10/hr | $20,800 | $8.00 | $7.50 | $7.00 | $300/wk | $15,600/yr |
| $12/hr | $24,960 | $9.60 | $9.00 | $8.40 | $360/wk | $18,720/yr |
| $13/hr | $27,040 | $10.40 | $9.75 | $9.10 | $390/wk | $20,280/yr |
| $14/hr | $29,120 | $11.20 | $10.50 | $9.80 | $420/wk | $21,840/yr |
| $15/hr | $31,200 | $12.00 | $11.25 | $10.50 | $450/wk | $23,400/yr |
| $16/hr | $33,280 | $12.80 | $12.00 | $11.20 | $480/wk | $24,960/yr |
| $17/hr | $35,360 | $13.60 | $12.75 | $11.90 | $510/wk | $26,520/yr |
| $18/hr | $37,440 | $14.40 | $13.50 | $12.60 | $540/wk | $28,080/yr |
| $19/hr | $39,520 | $15.20 | $14.25 | $13.30 | $570/wk | $29,640/yr |
| $19.50/hr | $40,560 | $15.60 | $14.63 | $13.65 | $585/wk | $30,420/yr |
| $20/hr | $41,600 | $16.00 | $15.00 | $14.00 | $600/wk | $31,200/yr |
| $21/hr | $43,680 | $16.80 | $15.75 | $14.70 | $630/wk | $32,760/yr |
| $22/hr | $45,760 | $17.60 | $16.50 | $15.40 | $660/wk | $34,320/yr |
| $23/hr | $47,840 | $18.40 | $17.25 | $16.10 | $690/wk | $35,880/yr |
| $24/hr | $49,920 | $19.20 | $18.00 | $16.80 | $720/wk | $37,440/yr |
| $25/hr | $52,000 | $20.00 | $18.75 | $17.50 | $750/wk | $39,000/yr |
| $27/hr | $56,160 | $21.60 | $20.25 | $18.90 | $810/wk | $42,120/yr |
| $28/hr | $58,240 | $22.40 | $21.00 | $19.60 | $840/wk | $43,680/yr |
| $30/hr | $62,400 | $24.00 | $22.50 | $21.00 | $900/wk | $46,800/yr |
| $35/hr | $72,800 | $28.00 | $26.25 | $24.50 | $1,050/wk | $54,600/yr |
| $40/hr | $83,200 | $32.00 | $30.00 | $28.00 | $1,200/wk | $62,400/yr |
| $41/hr | $85,280 | $32.80 | $30.75 | $28.70 | $1,230/wk | $63,960/yr |
| $50/hr | $104,000 | $40.00 | $37.50 | $35.00 | $1,500/wk | $78,000/yr |
Scenario note: 20%, 25%, and 30% are user-selected planning assumptions, not labels for particular states. For a detailed state-specific estimate, use the California, Texas, or Florida hourly calculator.
What effective tax rate should I use?
An effective tax rate is the average share of income paid in taxes. If you do not know yours, the table below gives a 2026 federal income tax + employee FICA baseline for a single filer with the standard deduction and no state/local income tax. State/local taxes, credits, pre-tax deductions, and benefits can change it.
| Gross Hourly Rate | Annual Gross | Federal + FICA Baseline |
|---|---|---|
| $10–$14/hr | $20,800–$29,120 | ~10–12% |
| $15–$19/hr | $31,200–$39,520 | ~13–14% |
| $20–$25/hr | $41,600–$52,000 | ~14–16% |
| $26–$35/hr | $54,080–$72,800 | ~16–18% |
| $36–$50/hr | $74,880–$104,000 | ~18–22% |
Baseline inputs follow the site's 2026 federal single-filer model and employee FICA rates. See the IRS 2026 tax adjustments and IRS Publication 15 (2026).
For a state-aware estimate, use the U.S. hourly paycheck tax calculator. See also the marginal vs effective tax rate guide.
How net hourly pay is calculated
This calculator applies your effective tax rate to gross pay to estimate your net hourly wage and take-home pay at every frequency:
- Net hourly = Gross hourly × (1 − effective tax rate)
- Net weekly = Net hourly × hours per week
- Net monthly = Net annual ÷ 12
- Net annual = Net weekly × 52
Example at $20/hr, 25% effective rate, 40 hrs/week:
- Net hourly: $20 × 0.75 = $15.00/hr
- Net weekly: $15 × 40 = $600/week
- Net monthly: ($600 × 52) ÷ 12 = $2,600/month
- Net annual: $600 × 52 = $31,200/year
Your effective tax rate is your overall average — not your top marginal bracket. If you do not know it, use the 2026 federal + FICA baseline above as a starting point, then account for state/local taxes and your own deductions or credits. See the marginal vs effective tax rate guide.
Annual salary to net hourly wage: quick reference (2026)
Common annual salaries converted to gross hourly rates and 20%, 25%, and 30% effective-rate scenarios (2,080 hours/year):
| Annual Salary | Gross Hourly | Net Hourly (20%) | Net Hourly (25%) | Net Hourly (30%) |
|---|---|---|---|---|
| $30,000 | $14.42/hr | $11.54/hr | $10.82/hr | $10.09/hr |
| $35,000 | $16.83/hr | $13.46/hr | $12.62/hr | $11.78/hr |
| $40,000 | $19.23/hr | $15.38/hr | $14.42/hr | $13.46/hr |
| $45,000 | $21.63/hr | $17.31/hr | $16.23/hr | $15.14/hr |
| $50,000 | $24.04/hr | $19.23/hr | $18.03/hr | $16.83/hr |
| $60,000 | $28.85/hr | $23.08/hr | $21.63/hr | $20.19/hr |
| $75,000 | $36.06/hr | $28.85/hr | $27.04/hr | $25.24/hr |
| $100,000 | $48.08/hr | $38.46/hr | $36.06/hr | $33.65/hr |
For a full salary-to-hourly breakdown with overtime and paycheck frequency options, use the salary to hourly calculator or salary vs hourly calculator.
Net hourly wage for freelancers and contractors (2026)
Freelancers and self-employed contractors generally account for both the employer and employee portions of Social Security and Medicare through self-employment tax. The 15.3% combined rate is applied to 92.35% of net self-employment earnings, subject to Social Security limits. The simplified federal-only examples below assume no business expenses, state/local income tax, credits, or QBI deduction:
| Contractor Rate | Annual Gross | SE Tax (15.3%) | Est. Income Tax | Total Effective Rate | Net Hourly (After All Taxes) |
|---|---|---|---|---|---|
| $20/hr | $41,600 | ~$5,878 | ~$2,459 | ~20% | ~$15.99/hr |
| $25/hr | $52,000 | ~$7,347 | ~$3,619 | ~21% | ~$19.73/hr |
| $35/hr | $72,800 | ~$10,286 | ~$6,055 | ~22% | ~$27.14/hr |
| $50/hr | $104,000 | ~$14,695 | ~$12,434 | ~26% | ~$36.96/hr |
| $75/hr | $156,000 | ~$22,042 | ~$23,529 | ~29% | ~$53.09/hr |
Half of self-employment tax is generally deductible when calculating adjusted gross income; see IRS Topic 554. The table above is a simplified federal estimate; actual taxes depend on net business profit, expenses, filing situation, credits, deductions, business structure, and state/local rules.
For a detailed self-employment tax estimate, see the after-tax income for self-employed calculator or the side income tax calculator. Comparing contractor vs employee total compensation? Use the contractor vs employee calculator.
Know your net hourly rate — file your taxes accurately
Whether you're an employee or contractor, accurate tax filing means knowing your effective rate and reporting all income correctly:
TurboTax↗ — helps prepare and file federal and state tax returns
FreeTaxUSA↗ — free federal filing for W-2 and hourly workers
H&R Block↗ — file with a tax professional for contractor and self-employment situations
Affiliate links — we may earn a commission at no cost to you.
Related calculators
- U.S. hourly paycheck tax calculator Federal/FICA calculator with state planning inputs
- California hourly paycheck calculator State-specific California paycheck estimate with federal, FICA, and state-tax modeling
- Texas hourly paycheck calculator Texas paycheck estimate with federal income tax and FICA
- Florida hourly paycheck calculator Florida paycheck estimate with federal income tax and FICA
- After-tax hourly rate calculator Simplified net hourly estimate with state comparison
- Salary vs hourly calculator Compare after-tax pay between salaried and hourly positions
- Biweekly paycheck calculator Convert annual salary to biweekly gross pay and review after-tax reference estimates
- Overtime pay calculator Estimate how overtime hours affect your weekly and annual take-home
- Hourly to annual calculator Convert any hourly rate to annual gross income
- Contractor vs employee calculator Full cost comparison — self-employment tax, benefits, and net pay
Net hourly wage: FAQs
How do I calculate my hourly wage after taxes?
For a simple estimate, multiply gross hourly pay by (1 − your effective tax rate). Example: at a 25% assumed effective rate, $20/hour × 0.75 = $15/hour net. For a tax-model estimate, use the state-aware paycheck calculator.
How much is $12 an hour after taxes?
$12/hour at 40 hours a week is $24,960 gross per year. Under the site's 2026 single-filer federal + FICA baseline with no state/local income tax, estimated take-home is about $10.66/hour, $426/week, or $22,166/year.
How much is $14 an hour after taxes?
$14/hour is $29,120 gross per year at 40 hours a week. Under the same 2026 federal + FICA baseline, estimated take-home is about $12.30/hour, $492/week, or $25,576/year before state/local income tax.
How much is $15 an hour after taxes?
$15/hour is $31,200 gross per year. Under the same 2026 federal + FICA baseline, estimated take-home is about $13.10/hour, $524/week, or $27,249/year before state/local income tax.
How much is $16 an hour after taxes?
$16/hour is $33,280 gross per year. Under the same 2026 federal + FICA baseline, estimated take-home is about $13.90/hour, $556/week, or $28,920/year before state/local income tax.
How much is $18 an hour after taxes?
$18/hour is $37,440 gross per year. Under the same 2026 federal + FICA baseline, estimated take-home is about $15.51/hour, $620/week, or $32,263/year before state/local income tax.
How much is $20 an hour after taxes?
$20/hour is $41,600 gross per year. Under the same 2026 federal + FICA baseline, estimated take-home is about $17.12/hour, $685/week, or $35,606/year before state/local income tax.
How much is $22 an hour after taxes?
$22/hour is $45,760 gross per year. Under the same 2026 federal + FICA baseline, estimated take-home is about $18.73/hour, $749/week, or $38,948/year before state/local income tax.
How much is $25 an hour after taxes?
$25/hour is $52,000 gross per year. Under the same 2026 federal + FICA baseline, estimated take-home is about $21.14/hour, $845/week, or $43,962/year before state/local income tax.
How much is $30 an hour after taxes?
$30/hour is $62,400 gross per year. Under the same 2026 federal + FICA baseline, estimated take-home is about $25.15/hour, $1,006/week, or $52,318/year before state/local income tax.
What is net hourly wage?
Net hourly wage is an estimate of what you keep per working hour after taxes and other deductions. This page's calculator uses the effective-rate percentage you enter; actual paycheck withholding can differ.
What is an effective tax rate for hourly workers?
It is the average percentage of income paid in taxes, not the top marginal bracket. Your rate depends on income, filing situation, credits, state/local taxes, and other factors, so use your own known rate when possible.
Can freelancers and contractors use this calculator?
Yes for a simple effective-rate scenario, but self-employed tax treatment differs from W-2 employment. For a dedicated estimate, use the after-tax self-employed calculator.
Does this calculator include overtime?
It does not calculate overtime premiums. Enter gross hourly pay, hours, and an effective-rate assumption here; for overtime-specific gross-pay calculations use the overtime pay calculator.
Is this calculator tax or financial advice?
No. It provides general estimates for informational purposes only. Actual tax and withholding depend on your circumstances.