Salary Calculator
Finance & MoneyConvert between hourly, monthly, and annual salary with tax deductions, hours worked, and common scenarios.. Free, private — all processing in your browser.
Estimates use 2025 US federal tax brackets (Rev Proc 2024-40) and assume the standard deduction only. State and local income taxes, health insurance premiums, 401(k) and HSA contributions, pre-tax benefits, and other withholdings are not modeled. Actual take-home varies significantly by state, employer benefits, and personal deductions. This is a planning estimate, not tax advice.
The Salary Calculator converts between hourly, monthly, and annual compensation, plus factors in basic tax deductions to estimate take-home pay. Essential for comparing job offers, evaluating freelance rates, negotiating salary, or understanding actual disposable income from advertised compensation.
Enter hourly rate, monthly, or annual salary; the tool shows equivalents in other periods. Optional tax estimation (federal, state, FICA) shows estimated net pay. Accounts for working hours (40 hours/week standard, adjustable for part-time or overtime).
Salary Calculator — key features
Multi-period conversion
Hourly, weekly, biweekly, monthly, annual all at once.
Work hours configurable
40 hours standard; adjust for part-time, overtime, etc.
Basic tax estimation
Federal, FICA, and state rough estimate.
Filing status
Single, married, head of household impact tax.
State tax
Rough estimates for common US states.
Net take-home
Estimated after-tax pay.
Comparison mode
Compare two jobs or two locations.
Client-side only
All calculation in your browser.
How to use the Salary Calculator
- 1
Enter salary
Hourly, monthly, or annual — any period.
- 2
Work hours
Default 40 hours/week; adjust if needed.
- 3
Filing status
Single, married, dependents affect tax.
- 4
State
Choose state for state tax estimate.
- 5
See breakdown
Gross per period, taxes estimated, net take-home.
Common use cases for the Salary Calculator
Job search
- →Offer comparison: Compare hourly vs salaried offers fairly.
- →Relocation: Compare salary in different states after tax.
- →Negotiation: Understand actual take-home for salary discussion.
Freelance
- →Hourly rate setting: Calculate freelance rate to match salary expectations after self-employment tax.
- →Project pricing: Estimate hourly equivalent for project pricing.
- →Contract vs employee: Compare W2 to 1099 equivalents.
Budgeting
- →Monthly budget: Understand net monthly pay for budget planning.
- →Savings rate: Calculate what percentage of net to save.
- →Expense planning: Annual expenses from monthly net income.
Salary Calculator — examples
Standard job
$80k salary.
$80,000/year, 40hr, single, CA
Hourly: $38.46; Monthly: $6,667 gross, ~$4,700 net after tax
Hourly rate
Convert to annual.
$25/hour, 40 hours, 52 weeks
Annual: $52,000 gross
Tax comparison
CA vs TX.
$100,000 salary, CA vs TX
CA: ~$73,000 net. TX: ~$78,000 net (no state income tax)
Part-time
Reduced hours.
$30/hour, 20 hours/week
Annual: $31,200 gross (half of full-time rate)
Freelance equivalent
1099 vs W2.
$75,000 W2 equivalent
Freelance needs ~$105,000 to match after self-employment tax and benefits
Technical details
Basic conversions assuming 40-hour work week:
Hours per year: 40 × 52 = 2080 (some use 2087 including paid leave)
Hours per month: 2080 / 12 = 173.3
Weekdays per year: 260
Conversion formulas:
- Hourly to annual: rate × 2080 (or customized hours)
- Hourly to monthly: rate × 173.3
- Annual to hourly: salary / 2080
- Annual to monthly: salary / 12
- Annual to biweekly: salary / 26
- Annual to weekly: salary / 52
Examples:
- $20/hour × 2080 = $41,600/year
- $50,000/year ÷ 2080 = $24.04/hour
- $60,000/year ÷ 12 = $5,000/month
- $80,000/year ÷ 26 = $3,077/biweekly
US tax estimates (highly simplified):
- Federal income tax: brackets 10%, 12%, 22%, 24%, 32%, 35%, 37%
- FICA: 7.65% (Social Security 6.2% + Medicare 1.45%)
- State tax: 0-13% depending on state
- Local tax: 0-4% in some cities
Example $60,000 single filer: roughly 15-20% total federal and FICA; state varies 0-10%. Net approximately $45,000-52,000.
Tax calculations are rough estimates. Actual tax depends on:
- Filing status (single, married, head of household)
- Dependents
- Deductions (standard vs itemized)
- Retirement contributions
- Pre-tax benefits (health insurance, HSA)
- State of residence
Comparison: $100,000 salary in California vs Texas:
- California: ~27% effective tax = $73,000 net
- Texas (no state income tax): ~22% = $78,000 net
Overtime typically 1.5x regular rate (FLSA) for hourly workers beyond 40 hours/week.
Freelance/contractor: responsible for both sides of FICA (15.3% self-employment tax) plus business expenses. Rough rule: freelance hourly = W2 hourly × 1.3-1.5 to match take-home.
Benefits value: health insurance, 401k match, PTO have real value. $50,000 salary + $10,000 benefits = $60,000 total compensation.
Common problems and solutions
⚠Tax estimates rough
Real tax depends on many factors. Use this for rough comparison; professional tax software for actual filing.
⚠Benefits not included
Employer-paid health insurance, 401k match, PTO have real value. Add to total compensation when comparing.
⚠Overtime and bonuses
Calculator assumes steady salary. Bonuses and overtime affect total but not monthly base pay.
⚠State tax variation
Within a state, local taxes vary. CA has 13% state plus various city taxes. NYC has NY state + city tax.
⚠Social Security cap
Social Security tax only applies up to $168,600 (2024). Income above exempted. Calculator may ignore for simplicity.
⚠Pre-tax deductions
401k, HSA, insurance premiums reduce taxable income. Calculator may not include; actual take-home higher than basic estimate.
⚠Tax year changes
Tax brackets and rates change annually. Calculator uses specific year’s rates; verify current year.
Salary Calculator — comparisons and alternatives
Compared to hand calculation, this tool handles multi-step conversions correctly. Manual math is error-prone for net pay.
Compared to full tax software, this tool is quicker for comparison but less precise. Use tax software for actual filing.
Compared to HR-provided paystub, this tool is estimation. Paystub is the actual truth for your specific situation.
Frequently asked questions about the Salary Calculator
▶How do I convert hourly to annual salary?
Multiply hourly × 2080 (40 hours/week × 52 weeks). $20/hr × 2080 = $41,600/year.
▶How do I calculate take-home pay?
Gross salary minus federal tax, FICA (7.65%), state tax (0-13%), and any retirement or insurance deductions. Varies by filing status and state. Tool provides rough estimate.
▶Is my state tax estimate accurate?
Rough estimate. Actual tax depends on deductions, filing status, exemptions. Use for comparison; use tax software for actual filing.
▶What’s the difference between gross and net?
Gross = total pay before deductions. Net (take-home) = what you actually receive after taxes, insurance, retirement. Net typically 70-80% of gross.
▶How should I set freelance rate?
Multiply desired W2 equivalent by 1.3-1.5x to cover self-employment tax, lack of employer benefits, and unpaid time (client hunting, admin). $100k salary equivalent = $130-150k freelance gross.
▶Is my data private?
Yes. All calculation in your browser. No data sent anywhere.
▶Are benefits included?
Gross/net focus. Total compensation includes benefits (health, 401k match, PTO) worth typically 20-30% of salary. Compare total comp for full picture.
▶Why do some states have no income tax?
Texas, Florida, Washington, Nevada, Tennessee, New Hampshire, South Dakota, Wyoming, Alaska have no state income tax. They fund with other taxes (sales, property) or oil revenue.
Additional resources
- IRS tax brackets — Current federal tax rates.
- FICA taxes — Social Security and Medicare tax details.
- State tax reference — State tax comparison resource.
- Bureau of Labor Statistics — Average wages and salary data.
- Glassdoor salaries — Job market salary benchmarks.
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