Convert your pay between hourly, daily, weekly, biweekly, monthly, and yearly — and estimate your take-home pay after federal and FICA taxes. Instant, accurate, and free.
A salary calculator converts your pay from one period to another — for example, turning an hourly wage into an annual salary or a yearly figure into a monthly paycheck. It's built on a simple standard: a full-time job is 40 hours a week for 52 weeks, or 2,080 hours per year. This calculator also estimates your take-home pay after federal income tax and FICA (Social Security and Medicare), so you see not just what you earn, but what actually lands in your bank account.
Enter any pay amount and see it instantly converted to every period, plus estimated take-home.
Take-home is a rough estimate using 2025 federal brackets, the standard deduction, and 7.65% FICA. It excludes pre-tax deductions (401k, health insurance), local taxes, and credits. Your actual paycheck will vary — treat this as a ballpark, not tax advice.
Convert any pay figure in seconds:
Every salary conversion runs through a single anchor: your annual pay. The calculator first converts whatever you entered into a yearly figure, then divides that annual amount into every other period. This keeps all the numbers perfectly consistent.
Notice that monthly, biweekly, and semi-monthly are not the same. There are 12 months, but 26 biweekly periods and 24 semi-monthly periods in a year. That's why your monthly figure and your "two paychecks a month" figure don't match exactly.
Here's what common hourly wages work out to across pay periods, assuming full-time (40 hrs/week, 52 weeks):
| Hourly | Weekly | Monthly | Annual |
|---|---|---|---|
| $15/hr | $600 | $2,600 | $31,200 |
| $20/hr | $800 | $3,467 | $41,600 |
| $25/hr | $1,000 | $4,333 | $52,000 |
| $30/hr | $1,200 | $5,200 | $62,400 |
| $40/hr | $1,600 | $6,933 | $83,200 |
| $50/hr | $2,000 | $8,667 | $104,000 |
You earn $25 per hour, full-time (40 hours/week, 52 weeks/year). Let's convert:
Step 1: Find the annual salary
Step 2: Break it into periods
Step 3: Estimate take-home (single filer)
$25/hour = $52,000/year gross ≈ $43,700 take-home (single, no state tax)
The number in your job offer is almost never the number that hits your bank account.
Gross pay is your total earnings before anything is taken out. Net pay (take-home) is what's left after deductions. The gap between them can be substantial:
For most workers, take-home pay is roughly 65-80% of gross, depending on income level, state, and deductions. Higher earners and those in high-tax states keep a smaller share; lower earners in no-tax states keep more.
Pre-tax deductions like 401(k) contributions and health insurance premiums lower your taxable income, which reduces your tax bill. So contributing to your 401(k) costs you less in take-home pay than the contribution amount — a big reason to take advantage of it.
Employers pay on different schedules, and it affects the size and timing of your checks:
| Pay Schedule | Paychecks/Year | How It Works |
|---|---|---|
| Weekly | 52 | Paid every week — most common for hourly/trades |
| Biweekly | 26 | Every two weeks; two months a year have 3 checks |
| Semi-monthly | 24 | Twice a month (e.g., 15th & last day) |
| Monthly | 12 | Once a month — common for salaried roles |
If you're paid biweekly (26 checks), two months each year contain three paychecks instead of two. Many people budget around two checks per month and treat those two "extra" checks as bonus money for savings, debt payoff, or investing. It's the same annual salary — just a budgeting opportunity.
The number 2,080 is the backbone of salary math. It comes from 40 hours per week × 52 weeks per year. It's the standard used to convert between hourly and salaried pay in nearly every payroll system and job posting.
However, 2,080 assumes you're paid for every hour including holidays and vacation. If you're an hourly worker who doesn't get paid time off, your real working year might be closer to 2,000 hours after unpaid holidays and vacation — which means your effective annual earnings are lower than the simple formula suggests. Salaried employees typically get paid for the full 2,080 regardless.
Job offers and raises are often quoted as a percentage or a big annual number that's hard to feel. Converting to your actual paycheck makes it real. For example, a $5,000 raise sounds great, but here's what it means:
Seeing a raise as "$144 more per paycheck" is more concrete than "$5,000 a year," and it helps you plan what to actually do with the money. The same works in reverse for evaluating job offers with different pay structures.
When weighing job offers, don't compare salaries alone. A lower salary with strong benefits — employer 401(k) match, health insurance, bonuses, paid time off — can be worth more than a higher salary without them. Factor in the full package, not just the headline number.
To convert hourly pay to annual salary, multiply your hourly rate by the number of hours you work per week, then by the number of weeks you work per year. For a standard full-time schedule, that's hourly rate × 40 hours × 52 weeks. For example, $25 per hour equals $25 × 40 × 52 = $52,000 per year. Adjust the hours and weeks if your schedule differs.
A $60,000 annual salary equals about $28.85 per hour, assuming a standard 40-hour week and 52 weeks per year (2,080 total hours). The math is $60,000 ÷ 2,080 = $28.85. If you work fewer hours or take unpaid time off, your effective hourly rate would be higher. Part-time or overtime schedules change this figure.
Gross salary is your total pay before any deductions. Net salary (take-home pay) is what remains after taxes and deductions like federal income tax, Social Security, Medicare (FICA), state taxes, and any retirement or health insurance contributions. Your net pay is typically 20-35% lower than your gross, depending on your income, location, and deductions.
Biweekly pay means you're paid every two weeks, resulting in 26 paychecks per year. Semi-monthly means you're paid twice a month (such as the 1st and 15th), resulting in 24 paychecks per year. Biweekly paychecks are slightly smaller but you get two extra per year. Semi-monthly paychecks are larger but less frequent. Both add up to the same annual total.
A standard full-time work year is 2,080 hours, calculated as 40 hours per week multiplied by 52 weeks. This is the figure most commonly used to convert between hourly and annual pay. However, actual working hours may be lower once you subtract paid holidays and vacation, which is why some calculations use 2,000 hours as a rounder estimate.
The take-home estimate includes federal income tax and FICA by default. You can add your state's income tax rate manually in the tax estimate panel for a closer figure. State tax rates range from 0% (in states like Texas and Florida) to over 13% (in California's top brackets). Local city taxes, where they exist, are not included, so your actual take-home may be slightly lower.
The take-home figure is a reasonable ballpark, not an exact paycheck. It uses 2025 federal tax brackets, the standard deduction, and the 7.65% FICA rate. It does not account for pre-tax deductions (401k, HSA, health insurance), tax credits, additional withholding, or local taxes, all of which affect your real paycheck. For precise figures, check your pay stub or consult a tax professional.
No. All calculations happen entirely in your browser. Your pay information stays on your device — nothing is sent to our servers, and no data is stored after you close the page.
This calculator provides estimates for educational purposes only and is not financial or tax advice. Take-home pay figures are approximations based on 2025 federal brackets and standard assumptions; they exclude many real-world factors. Actual pay and taxes vary by individual circumstance, state, and employer. Consult a tax professional or your payroll department for exact figures.