Hourly Paycheck Calculator (2026)

How to calculate your hourly paycheck

Your take-home pay is your gross pay minus taxes and deductions. For an hourly worker the math runs in five steps:

1. Gross pay = hourly rate × hours worked in the pay period. For annual figures, multiply by the number of pay periods (×52 weekly, ×26 biweekly, ×24 semi-monthly).
2. Federal income tax - withheld using your W-4 and the 2026 IRS tables (10%-37% brackets after the standard deduction).
3. Social Security - 6.2% of gross wages, up to the 2026 wage base of $184,500.
4. Medicare - 1.45% of all gross wages, plus 0.9% on wages over $200,000.
5. State income tax - 0% in nine no-tax states (Texas, Florida, Washington and others) up to 13.3% in California.

What's left is your net (take-home) pay. The calculator above runs all five steps for your state and filing status. For the full order of operations, see our how to calculate take-home pay guide .

Quick example: $25/hour × 40 hours = $1,000 gross per week, or $52,000 per year before taxes. A single filer in a no-income-tax state keeps roughly $43,953 of that; in California, roughly $42,209. Enter your own numbers above for your estimated figure. You can also compare the same wage on our salary paycheck calculator.

How much is $20 an hour a year after taxes (2026)

Full-time assumptions: 40 hours/week, 2,080 hours/year, single filer, standard deduction. "Approx. net" shown for a no-state-income-tax state; your state may take more.

*Net figures are estimates for a single filer in a no-income-tax state, federal + FICA only. Use the calculator for your state.

Weekly, biweekly, and monthly hourly take-home

The same $20/hour at 40 hours/week ($41,600/year gross) looks different per check depending on pay frequency. Net figures below use the same engine as the calculator: single filer, Texas (no state income tax), federal + FICA only.

*Single filer, no state income tax (Texas), 2026 federal + FICA. Select your state in the calculator for estimated net pay.

Your annual tax is the same regardless of frequency - only the per-check amount changes. The calculator lets you switch frequencies to match your pay stub.

Overtime, part-time, and multiple jobs

• Overtime: Hours over 40 in a workweek are paid at 1.5× your regular rate under the federal FLSA (some states add daily overtime). Overtime is not taxed at a higher rate - a bigger check just triggers more withholding that period. Our overtime pay calculator auto-applies time-and-a-half and the 2026 OBBBA premium deduction.
• Part-time: Use the same formula with your actual hours. Lower annual income often means a lower effective tax rate.
• Multiple jobs: Each employer withholds as if their job is your only income, which can under-withhold your combined total. Fix it with Step 2 of your W-4 - see the 2026 W-4 guide. Variable pay like bonuses is modeled separately on our bonus tax calculator.

Hourly pay and pre-tax deductions

Contributions to a traditional 401(k), HSA, or pre-tax health insurance lower your taxable income, reducing federal and state income tax (though Social Security and Medicare still apply to 401(k) contributions). Expand the pre-tax deduction fields in the calculator to see how much each dollar of contribution raises your tax savings - and learn more in our FICA explained guide.

Hourly take-home by state

State income tax is the biggest variable in your hourly take-home. A $25/hour job nets noticeably more in Texas or Florida (no state income tax) than in California (up to 13.3%). Compare your wage in any state with our 50-state paycheck calculators.

Gig, freelance, and 1099 hourly work

If you're paid hourly as a 1099 contractor rather than a W-2 employee, no taxes are withheld and you owe self-employment tax (15.3% for Social Security and Medicare) plus income tax - set money aside and pay quarterly. See our self-employed taxes guide . This calculator models W-2 hourly pay.

Frequently asked questions