Net Hourly Wage Calculator: After-Tax Pay Per Hour (2026)
Find your net hourly wage after tax — what you actually take home each hour after federal income tax, FICA, and state tax. Enter any hourly rate and effective tax rate to see net hourly, weekly, biweekly, monthly, and annual take-home pay. Common rates are in the reference table below.
On this page: Quick reference table · Calculator · Which tax rate to use · How it works · Salary-to-hourly table · Contractor estimates · FAQs
Hourly wage after taxes: quick reference (2026)
Common hourly wages after taxes at three effective rate scenarios (single filer, 40 hrs/week, 52 weeks):
| 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 |
Which rate to use? 20% = lower earners in no-income-tax states (TX, FL, WA, NV). 25% = moderate earners in most taxed states. 30% = higher earners or high-tax states (CA, NY, OR). For a state-specific figure with federal + state + FICA applied automatically, use the California, Texas, or Florida hourly calculator.
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.
What effective tax rate should I use?
Your effective tax rate is the average percentage of income lost to all taxes — federal income tax, Social Security (6.2%), Medicare (1.45%), and state income tax. It is always lower than your marginal bracket. Here's a quick guide by hourly wage and state type:
| Gross Hourly Rate | Annual Gross | No-Tax State (TX/FL/WA) | Mid-Tax State | High-Tax State (CA/NY) |
|---|---|---|---|---|
| $10–$14/hr | $20,800–$29,120 | 15–18% | 18–21% | 20–23% |
| $15–$19/hr | $31,200–$39,520 | 18–21% | 21–24% | 23–26% |
| $20–$25/hr | $41,600–$52,000 | 20–23% | 23–26% | 25–28% |
| $26–$35/hr | $54,080–$72,800 | 22–25% | 25–28% | 28–32% |
| $36–$50/hr | $74,880–$104,000 | 24–27% | 27–31% | 30–35% |
No-tax states: Texas, Florida, Washington, Nevada, Wyoming (no state income tax)
Mid-tax states: Colorado (4.4%), Arizona (2.5%), Georgia (5.49%)
High-tax states: California (up to 13.3%), New York (up to 10.9%), Oregon (up to 9.9%)
For the exact effective rate on your income, use the U.S. hourly paycheck tax calculator which applies all federal, state, and FICA rates automatically. See also the marginal vs effective tax rate guide for a plain-language explanation of why your real rate is lower than your bracket.
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 bracket. Most US hourly workers at $15–$30/hr have an effective total rate of 20–28%. If you only know your marginal bracket, your effective rate is meaningfully lower. See the marginal vs effective tax rate guide.
Annual salary to net hourly wage: quick reference (2026)
Common annual salaries converted to gross and after-tax hourly rates (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 pay a higher effective rate than employees because they owe self-employment tax (15.3%) covering both employer and employee FICA shares, on top of income tax:
| Contractor Rate | Annual Gross | SE Tax (15.3%) | Est. Income Tax | Total Effective Rate | Net Hourly (After All Taxes) |
|---|---|---|---|---|---|
| $20/hr | $41,600 | $6,365 | ~$3,200 | ~23% | ~$15.40/hr |
| $25/hr | $52,000 | $7,956 | ~$4,800 | ~25% | ~$18.75/hr |
| $35/hr | $72,800 | $11,138 | ~$8,400 | ~27% | ~$25.55/hr |
| $50/hr | $104,000 | $14,696 | ~$15,800 | ~29% | ~$35.50/hr |
| $75/hr | $156,000 | $18,228 | ~$28,700 | ~30% | ~$52.50/hr |
Contractors can deduct half of self-employment tax (7.65%) from gross income, reducing taxable income. Business expense deductions further reduce the effective rate. The table above is a simplified estimate — actual taxes depend on deductions, business structure, and state.
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 — calculates your exact effective tax rate and files your return
- 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 + state + FICA applied automatically — all 50 states
- California hourly paycheck calculator Exact 2026 CA rates — $20/hr = ~$614/wk after all taxes
- Texas hourly paycheck calculator No state income tax — $20/hr = ~$700/wk
- Florida hourly paycheck calculator No state income tax — same take-home as Texas
- 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 See your exact biweekly take-home after all deductions
- 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?
Multiply your gross hourly rate by hours worked to get weekly gross pay, then multiply by (1 minus your effective tax rate) to get net pay. Divide net weekly pay by hours worked for net hourly wage. Example: $20/hr × 40 hrs = $800 gross. At 25% tax: $800 × 0.75 = $600/week net = $15/hr net.
How much is $12 an hour after taxes?
At $12/hour (40 hrs/week), annual gross is $24,960. After taxes at an 18% effective rate (typical for this income level in a no-tax state), net is approximately $9.84/hr — $394/week, $20,467/year. At 21% effective rate (mid-tax state), approximately $9.48/hr — $379/week.
How much is $14 an hour after taxes?
At $14/hour (40 hrs/week), annual gross is $29,120. After taxes at approximately 19% effective rate in a no-tax state, net is approximately $11.34/hr — $454/week, $23,587/year. At 22% effective rate (mid-tax state), approximately $10.92/hr — $437/week.
How much is $15 an hour after taxes?
At $15/hour (40 hrs/week), gross weekly pay is $600. After taxes at 20% effective rate (no-tax state like Texas or Florida), net is $12/hr — $480/week, $24,960/year. At 25% (mid-tax state), $11.25/hr — $450/week. At 30% (high-tax state like California), $10.50/hr — $420/week.
How much is $16 an hour after taxes?
At $16/hour (40 hrs/week), annual gross is $33,280. After taxes at 20% effective rate, net is $12.80/hr — $512/week, $26,624/year. At 25%, $12/hr — $480/week. At 30%, $11.20/hr — $448/week.
How much is $18 an hour after taxes?
At $18/hour (40 hrs/week), annual gross is $37,440. After taxes at 20% effective rate (no-tax state), net is $14.40/hr — $576/week, $29,952/year. At 25%, $13.50/hr — $540/week, $28,080/year. At 30%, $12.60/hr — $504/week.
How much is $20 an hour after taxes?
At $20/hour (40 hrs/week), annual gross is $41,600. After taxes at 20% effective rate (no-tax state like Texas or Florida), net is $16/hr — $640/week, $33,280/year. At 25% (mid-tax state), $15/hr — $600/week, $31,200/year. At 30% (high-tax state like California or New York), $14/hr — $560/week.
How much is $22 an hour after taxes?
At $22/hour (40 hrs/week), annual gross is $45,760. After taxes at 20% effective rate, net is $17.60/hr — $704/week, $36,608/year. At 25%, $16.50/hr — $660/week, $34,320/year. At 30%, $15.40/hr — $616/week.
How much is $25 an hour after taxes?
At $25/hour (40 hrs/week), annual gross is $52,000. After taxes at 20% effective rate (no-tax state), net is $20/hr — $800/week, $41,600/year. At 25%, $18.75/hr — $750/week, $39,000/year. At 30% (high-tax state), $17.50/hr — $700/week.
How much is $30 an hour after taxes?
At $30/hour (40 hrs/week), annual gross is $62,400. After taxes at 22% effective rate (no-tax state), net is $23.40/hr — $936/week, $48,672/year. At 25%, $22.50/hr — $900/week, $46,800/year. At 30%, $21/hr — $840/week.
What is net hourly wage?
Net hourly wage is how much you actually take home per hour after all taxes and mandatory deductions. It equals your gross hourly wage minus federal income tax, Social Security (6.2%), Medicare (1.45%), and state income tax. For a $20/hour worker at 25% total effective rate, net hourly wage is $15/hour.
What is an effective tax rate for hourly workers?
The effective tax rate is the average percentage of total income paid in taxes — not the top marginal bracket. For US hourly workers at $12–$25/hour: no-tax states (Texas, Florida) = 18–23%; mid-tax states (Colorado, Arizona) = 21–26%; high-tax states (California, New York) = 23–28%. The effective rate is always lower than the marginal bracket. See the marginal vs effective tax rate guide for a full explanation.
Can freelancers and contractors use this calculator?
Yes, with adjustment. Freelancers and self-employed contractors should use a higher effective tax rate (typically 25–35%) because they pay self-employment tax (15.3%) covering both employer and employee FICA, on top of income tax. A contractor at $35/hour might use 27–30% effective rate vs an employee at $35/hour using 22–26%. Use the after-tax self-employed calculator for a dedicated contractor estimate.
Does this calculator include overtime?
This calculator estimates net hourly pay based on your inputs. If you work overtime, your effective tax rate may increase slightly because additional income pushes you into higher brackets. For overtime-specific calculations, use the overtime pay calculator.
Is this calculator tax or financial advice?
No. This tool provides general estimates for informational purposes only and does not constitute tax or financial advice. For personalized advice, consult a tax professional.