Hourly Paycheck Calculator — See Your Take-Home Pay

How to Use This Hourly Paycheck Calculator

Quick answer: Enter your hourly rate, regular hours per week (0–40), overtime hours per week at 1.5x pay, filing status, and pay frequency. The calculator annualizes your gross pay, subtracts the 2026 standard deduction, applies federal brackets and FICA, then shows per-paycheck take-home and your effective hourly rate after tax.

Follow these steps for the most accurate estimate. First, enter your regular hourly rate in dollars — for example, 30 for thirty dollars per hour. The rate must be greater than zero. Second, enter your regular hours per week, from zero up to forty. Most full-time hourly workers enter forty here. Third, enter any overtime hours per week. Overtime is paid at one and one-half times your regular rate, so five overtime hours at a twenty-five dollar rate add one hundred eighty-seven dollars and fifty cents to each week. Fourth, choose your filing status: single or married filing jointly. Fifth, choose weekly or biweekly pay to match your employer schedule. Finally, click Calculate Take-Home Pay to see gross weekly pay, gross annual pay including overtime, federal tax, Social Security and Medicare split, per-paycheck take-home, and effective hourly pay after tax.

How Your Hourly Paycheck Is Calculated After Taxes

Every result on this page follows the same thirteen-step formula, in this exact order. There are no hidden adjustments. Gross pay is annualized first, then taxes are computed on the annual total, which keeps overtime and bracket math correct.

1. Overtime rate equals hourly rate times 1.5.
2. Gross weekly pay equals hourly rate times regular hours plus overtime rate times overtime hours.
3. Gross annual pay equals gross weekly pay times 52.
4. The standard deduction is 16100 dollars for single filers or 32200 dollars for married filing jointly.
5. Taxable income equals gross annual pay minus the standard deduction, floored at zero.
6. Federal tax is computed by running taxable income through the 2026 progressive brackets at 10, 12, 22, 24, 32, 35, and 37 percent.
7. Social Security tax equals 6.2 percent of gross annual pay up to the 184500 dollar wage base.
8. Medicare tax equals 1.45 percent of all gross annual pay with no cap.
9. FICA is the sum of Social Security and Medicare.
10. Annual take-home pay equals gross annual pay minus federal tax minus FICA.
11. Per-paycheck take-home equals annual take-home divided by 52 for weekly pay or 26 for biweekly pay.
12. Total annual hours equal regular plus overtime hours times 52.
13. Effective hourly pay after tax equals annual take-home divided by total annual hours.

The 2026 single-bracket floors are 0, 12400, 50400, 105700, 201775, 256225, and 640600 dollars. The married-filing-jointly floors are 0, 24800, 100800, 211400, 403550, 512450, and 768700 dollars. A full-time schedule of forty hours per week for fifty-two weeks equals 2080 hours per year, which is also the divisor used for salary-to-hourly conversion elsewhere on this page.

Federal Overtime Rules: Time and a Half After 40 Hours

Under federal law, the rule is clear: For covered, nonexempt employees, the Fair Labor Standards Act (FLSA) requires overtime pay to be at least one and one-half times an employee's regular rate of pay after 40 hours of work in a workweek. In practice, this means the first forty hours of each seven-day workweek are paid at your regular rate, and every hour beyond forty is paid at 1.5 times that rate. A twenty dollar hourly rate becomes a thirty dollar overtime rate; a twenty-five dollar rate becomes thirty-seven dollars and fifty cents.

To calculate 1.5 times overtime yourself, multiply your regular hourly rate by 1.5, then multiply the result by the number of overtime hours. For example, thirty dollars times 1.5 equals forty-five dollars, and forty-five dollars times four overtime hours equals one hundred eighty dollars of weekly overtime premium pay. Add that to regular pay to get gross weekly pay. This calculator performs exactly that computation in step one and step two of the formula above.

A common question is whether overtime is calculated by day or by week. Under the federal FLSA, overtime is calculated by week: only hours beyond forty in the workweek trigger the 1.5x premium. A ten-hour day alone does not create federal overtime if the weekly total stays at or below forty hours. Some states, notably California, add daily overtime rules on top of the federal weekly rule, which is explained in the next section.

California Daily Overtime: Note Only, Not in the Math

California law goes further than federal law: One and one-half times the employee's regular rate of pay for all hours worked in excess of eight hours up to and including 12 hours in any workday ... Double the employee's regular rate of pay for all hours worked in excess of 12 hours in any workday. So a California employee who works a single ten-hour day earns two hours at 1.5x even if the weekly total never exceeds forty hours, and hours beyond twelve in a day earn double pay.

Important scope note for this calculator version one: the math on this page uses the federal weekly rule only — overtime hours per week entered by you are added at the 1.5x rate for hours over forty per week. California daily overtime (1.5x after eight hours, double pay after twelve hours) appears here as a note and disclaimer only and is not added to the calculation. California hourly workers with frequent long shifts should treat results as a federal-baseline estimate. Federal + FICA only (state none). California daily OT note only.

Worked Example: $30 per Hour, 40 Hours, Single, No Overtime

Take a single filer earning thirty dollars per hour, working forty regular hours with zero overtime on weekly pay. Gross weekly pay equals thirty times forty, which is 1200 dollars. Gross annual pay equals 1200 times 52, which is 62400 dollars. Taxable income equals 62400 minus the 16100 dollar single standard deduction, which is 46300 dollars. Federal tax runs through the single brackets: the first 12400 dollars at ten percent equals 1240 dollars, and the remaining 33900 dollars at twelve percent equals 4068 dollars, for a federal total of 5308 dollars. Social Security equals 62400 times 6.2 percent, which is 3868.80 dollars. Medicare equals 62400 times 1.45 percent, which is 904.80 dollars, so FICA totals 4773.60 dollars. Annual take-home equals 62400 minus 5308 minus 4773.60, which is 52318.40 dollars. Per-paycheck take-home is 1006.12 dollars weekly or 2012.25 dollars biweekly, and the effective hourly rate after tax is 52318.40 divided by 2080 hours, which is 25.15 dollars. Compare this with the general paycheck calculator if you are salaried, or check withholding with the W-4 withholding calculator.

Worked Example: $25 per Hour Plus 5 Overtime Hours, Married Filing Jointly

Now take a married couple filing jointly where one earner makes twenty-five dollars per hour, works forty regular hours, and adds five overtime hours each week. The overtime rate equals twenty-five times 1.5, which is 37.50 dollars. Weekly overtime pay equals 37.50 times five, which is 187.50 dollars. Gross weekly pay equals 1000 plus 187.50, which is 1187.50 dollars. Gross annual pay equals 1187.50 times 52, which is 61750 dollars. Taxable income equals 61750 minus the 32200 dollar joint standard deduction, which is 29550 dollars. Federal tax uses the joint brackets: the first 24800 dollars at ten percent equals 2480 dollars, and the remaining 4750 dollars at twelve percent equals 570 dollars, for a federal total of 3050 dollars. Social Security equals 61750 times 6.2 percent, which is 3828.50 dollars. Medicare equals 61750 times 1.45 percent, which is 895.375 dollars, so FICA totals 4723.875 dollars. Annual take-home equals 61750 minus 3050 minus 4723.875, which is 53976.125 dollars. Per-paycheck take-home is 1038.00 dollars weekly or 2076.00 dollars biweekly. Total annual hours equal forty-five times 52, which is 2340 hours, so the effective hourly rate after tax is 53976.125 divided by 2340, which is 23.07 dollars. Notice how five overtime hours lifted gross pay by nearly ten thousand dollars a year while the joint brackets and deduction kept the federal bill modest. If you expect a refund or balance due at filing time, run the numbers through our tax refund calculator as well.

Weekly vs Biweekly Pay: Same Annual Total, Different Check Size

Weekly pay divides your annual take-home by 52 paychecks, while biweekly divides it by 26 larger paychecks. Gross annual pay is identical either way because weekly gross times 52 equals biweekly gross times 26 — the divisor only changes how the same yearly total is sliced. Using the first example above, annual take-home of 52318.40 dollars becomes about 1006.12 dollars on each of fifty-two weekly checks or about 2012.25 dollars on each of twenty-six biweekly checks. In the overtime example, 53976.125 dollars becomes 1038.00 dollars weekly or 2076.00 dollars biweekly.

Choose the option matching your employer schedule to see the exact amount per check. Weekly pay gives you a steadier cash flow with a smaller amount arriving every seven days, which suits hourly workers with variable overtime. Biweekly pay delivers bigger individual checks every fourteen days, and twice a year it produces a three-paycheck month that many households direct toward savings or debt. Either way, federal tax, Social Security, and Medicare are computed on the same annualized base, so the frequency choice never changes your yearly liability — only the per-check figure the calculator highlights.

Salary to Hourly Conversion: Divide by 2080 Hours

To convert salary to an hourly rate, divide annual salary by 2080 hours for a standard forty-hour workweek across fifty-two weeks. For example, a 62400 dollar salary equals 30 dollars per hour, which is exactly the first worked example on this page run in reverse. A 50000 dollar salary equals about 24.04 dollars per hour, an 80000 dollar salary equals about 38.46 dollars per hour, and a 100000 dollar salary equals about 48.08 dollars per hour. To go the other direction, multiply your hourly rate by weekly hours and then by fifty-two: thirty dollars times forty hours times fifty-two weeks returns the same 62400 dollar gross annual figure.

If you work overtime regularly, a straight salary division understates your true workload. Add the overtime premium to annual earnings first, then divide by total actual hours for a true effective rate. In the second example, gross annual pay of 61750 dollars divided by 2340 actual hours equals about 26.39 dollars of gross hourly value, while the after-tax effective rate is 23.07 dollars. Comparing a salary offer against hourly work? Convert the salary to hourly with the 2080 divisor, then compare against this calculator's effective hourly after-tax figure rather than the sticker rate — taxes and FICA narrow gaps that look wide before deductions.

Is Overtime Taxed More Than Regular Pay?

No, overtime is not taxed at a higher rate, although withholding on a large overtime check can look higher. All wages stack into the same annual taxable income and move through the same 10, 12, and 22 percent federal brackets, so a dollar of overtime premium is taxed exactly like a dollar of regular wages at your current marginal rate. What confuses people is paycheck withholding: payroll systems annualize each individual check, so a week stuffed with overtime can push that check's withholding into a higher bracket slice temporarily. At filing time the annual reconciliation washes that effect out.

This calculator avoids the over-withholding illusion by annualizing first: overtime joins gross annual pay in step three, and brackets apply once to the yearly total. That is why the overtime example shows a calm federal total of 3050 dollars on 61750 dollars of gross rather than an inflated per-check figure. If a single fat overtime check took more withholding than this page implies, the difference typically returns as part of your refund — verify with the tax refund calculator and consider adjusting your W-4 through the W-4 withholding calculator if overtime is a permanent part of your schedule.

Filing Status: Single vs Married Filing Jointly

Your filing status changes two inputs at once: the standard deduction and the bracket floors. Single filers subtract 16100 dollars before brackets apply, while married couples filing jointly subtract 32200 dollars — exactly double. The joint bracket floors are likewise double the single floors at every step: 24800 versus 12400 at the ten percent threshold, 100800 versus 50400 at the twelve percent threshold, and so on through the top brackets. That doubling is why the joint overtime example paid only 3050 dollars of federal tax on 61750 dollars of gross while the single example paid 5308 dollars on a similar 62400 dollars.

This version-one calculator offers single and married filing jointly in the filing-status menu. A head-of-household standard deduction constant of 24150 dollars is reserved in the code for a future update but is not selectable yet, and married-filing-separately filers should use the single setting as an approximation. If your household has two earners, remember that each job's withholding is computed separately by payroll while your return combines both incomes — the W-4 withholding calculator helps align the two so April holds no surprises.

FICA: Social Security 6.2 Percent and Medicare 1.45 Percent

Every result splits FICA into its two parts. Social Security takes 6.2 percent of gross annual pay up to the 184500 dollar wage base, so the maximum possible Social Security bite in this calculator is 11439 dollars. Earn more than 184500 dollars and the excess simply escapes Social Security — the tax caps out while Medicare continues. Medicare takes 1.45 percent of all gross annual pay with no cap, so it grows linearly with every overtime hour you log. In the thirty-dollar example the split is 3868.80 dollars of Social Security plus 904.80 dollars of Medicare; in the overtime example it is 3828.50 dollars plus 895.375 dollars.

Because FICA applies to gross pay before the standard deduction, it is often the larger deduction for moderate hourly earners — compare 4773.60 dollars of FICA against 5308 dollars of federal tax in the first example. Overtime increases both levies proportionally: each extra overtime dollar adds 6.2 cents of Social Security (below the wage base) and 1.45 cents of Medicare on top of ordinary income-taxrates. Your employer matches both amounts out of its own pocket, but only the employee half shown here reduces your take-home pay.

Scope and Limitations of This Estimate

This calculator estimates Federal income tax plus FICA only, with state tax fixed at none — the state menu shows a single Federal + FICA only (state none) option, so workers in income-tax states should treat the take-home figure as a pre-state-tax upper bound and check our paycheck calculator or state guides for the state layer. Overtime follows the federal weekly rule at 1.5x for hours over forty per week; California daily overtime (1.5x after eight hours, double pay after twelve hours) is a note only and is not added to the math. Federal + FICA only (state none). California daily OT note only. Pre-tax deductions such as 401(k), HSA, health premiums, bonuses, tips, and the additional Medicare surtax are outside version-one scope, and all computations run locally in your browser — no entries leave your device.