Take-Home Pay Calculator
Enter your values below and click Calculate for instant results.
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Calculate your real take-home pay from any pay type: hourly, daily, weekly, bi-weekly, or annual. Works for full-time employees, part-time workers, contractors, and teenagers starting their first job.
Enter your values below and click Calculate for instant results.
Most people know what they make per hour or what their offer letter says. What surprises nearly everyone is how much smaller the actual deposit looks compared to what they earn. This calculator bridges that gap by converting any pay type into real take-home numbers after federal tax, Social Security, Medicare, state tax, and any pre-tax deductions.
Quick fact: The average full-time American worker puts in about 2,080 hours per year, based on 40 hours a week over 52 weeks. That's the standard used to convert hourly wages to annual salaries. Someone making $17 an hour at 40 hours a week earns $35,360 per year before taxes.
Not everyone earns a traditional annual salary. A teenager picking up their first part-time job might earn $10.50 an hour for 20 hours a week. A freelance graphic designer might charge $350 per day and work 180 days a year. A rideshare driver might earn $600 most weeks but take time off. This calculator handles all of those situations by letting you enter your pay exactly the way you receive it, then converting everything to a consistent annual and per-paycheck picture.
Enter your hourly rate, how many hours you work each week, and how many weeks per year you work. If you take two weeks off per year, use 50 instead of 52. The calculator handles the rest. Part-time workers who work fewer than 40 hours a week should enter their actual hours for an accurate result.
Contractors, consultants, substitute teachers, gig workers, and day laborers often think in terms of daily earnings rather than hourly or annual. Enter your day rate and the number of days you expect to work in a year. 250 days is the standard full-time approximation for a 5-day work week with federal holidays factored in.
If you receive a fixed weekly, bi-weekly, semi-monthly, monthly, or annual amount, choose that option and enter the amount. The calculator will annualize it and apply the appropriate tax calculations before converting back to any pay period you want to see.
Federal income tax is calculated based on your annual gross income and filing status using the 2026 tax brackets. Social Security tax is a flat 6.2% on income up to the annual wage base of $168,600. Medicare is a flat 1.45% with no income cap. State income tax varies by state and is optional in this calculator since rates differ widely and some states have none at all.
Contributions to a 401k, traditional IRA, Health Savings Account, or Flexible Spending Account are deducted before federal and state taxes are calculated. This lowers your taxable income and effectively makes these contributions cheaper than they appear. If you contribute $200 per month to a 401k and you're in the 22% tax bracket, your take-home pay only drops by about $156, not the full $200.
If you're 14, 15, or 16 and just starting to earn money, understanding your take-home pay is genuinely important. First, you should know that most part-time student workers fall into the 10% or 12% federal bracket, so taxes are not as scary as they might seem. Second, whatever is left after taxes is yours to manage, and learning to budget that actual number rather than your gross rate is a habit that pays off for the rest of your life. Third, every dollar you can put aside at this age is worth dramatically more than a dollar saved at 30 or 40, which is why even small contributions to a Roth IRA early on can compound into substantial wealth over time.