Take-Home-Paycheck Calculator
$0.00 take-home pay per paycheck
Built for Hourly Pay, Including Overtime
Unlike a salaried paycheck, hourly pay changes with the clock. This calculator applies federal overtime rules as most employers do: any hours you work beyond 40 in a week are paid at 1.5 times your regular rate (adjustable above), and that overtime pay is added on top of your regular wages before taxes are calculated. If you work 45 hours in a week at $22/hour, for example, you're paid for 40 hours at $22 and 5 hours at $33.
What's Included, and What's Assumed
This estimates federal income tax and FICA (Social Security at 6.2% up to the annual wage base, plus Medicare at 1.45%) on your gross pay each period, after subtracting any pre-tax deductions you enter (such as a 401(k) contribution or health insurance premium). It assumes your hours are consistent from week to week when converting to biweekly, semi-monthly, or monthly pay, and it does not include state or local income tax, which varies by location and can meaningfully change your real take-home pay.
Comparing an Hourly Offer to a Salaried One
If you're weighing an hourly job against a salaried role, multiply your hourly wage by your typical weekly hours (including expected overtime) and by 52 weeks to get a comparable annual figure, then check it against the salary calculator. For a deeper look at just your federal tax bracket and effective rate, use the income tax calculator.
Frequently Asked Questions
How is overtime calculated in this tool?
Any hours entered beyond 40 in a week are paid at your overtime multiplier (1.5x by default, the standard federal rate) times your hourly wage. For example, 45 hours at $22/hour pays 40 hours at $22 plus 5 hours at $33, and that combined gross is what taxes are calculated on.
Why doesn't my result match my actual paycheck exactly?
This estimates federal income tax and FICA only using the standard deduction for your filing status; it does not account for state or local income tax, tax credits, or benefits beyond the pre-tax deduction field, all of which can shift your real net pay up or down.