Salary Calculator

Punch in a salary and this tells you what actually lands in your bank account. It works both directions: type a gross annual figure to see the hourly equivalent, or type an hourly rate (with your real hours and weeks) to see the yearly total. Either way you get take-home pay broken down by year, month, biweekly paycheck, and week.

The number that matters is take-home, not gross. A $100,000 salary does not mean $100,000 in your pocket. Federal income tax and FICA come out first, and this shows you exactly how much and why. The presets (minimum wage, median worker, senior engineer, contractor, dual-income family) are there so you can sanity-check a real offer in a couple of clicks.

One thing to be clear about up front: this models US federal tax only. It does not include state or local income tax, health insurance, or 401(k) contributions. If you live in a no-income-tax state like Texas or Florida, the take-home number here is close. If you live in California or New York, your real take-home will be noticeably lower.

The calculator uses the 2025 US federal tax tables from IRS Revenue Procedure 2024-40 (published October 2024). Federal income tax is computed with progressive marginal brackets, so only the income inside each bracket is taxed at that bracket's rate. It subtracts the 2025 standard deduction first ($15,750 single, $31,500 married filing jointly), then applies the brackets to what's left.

FICA is calculated separately from income tax: Social Security at 6.2% on wages up to the 2025 wage base of $176,100, Medicare at 1.45% on all wages, plus the Additional Medicare surtax of 0.9% on wages above $200,000 (single) or $250,000 (MFJ). Together these are the payroll taxes that show up on every US paycheck.

In hourly mode you can turn on overtime: any hours above 40 per week are paid at your chosen multiplier (1.5x by default). The "weeks per year" field lets you account for unpaid time off — 52 means you work every week, 50 assumes two weeks off, 48 assumes four. The hourly-to-annual math is rate x hours x weeks, plus overtime if enabled.

Everything runs in your browser as you type. No salary figure is sent anywhere.

Full payroll tools like ADP or a paycheck calculator from SmartAsset add state tax, local tax, and pre-tax deductions (401k, HSA, insurance premiums), so they land closer to your actual net pay if you fill in every field. This tool trades that completeness for speed: two inputs and you have a federal-level estimate, which is usually enough to compare offers or check whether a raise is worth it.

Use a state-aware calculator when you need an exact paycheck figure for budgeting, especially in a high-tax state. Use this one when you want a fast, honest federal baseline or to convert between salary and hourly — the conversion direction (with adjustable hours and weeks) is something most paycheck tools don't do well.