Hourly Paycheck Calculator 2026 — Take-Home Pay

How the hourly paycheck calculator works

Enter your hourly rate and regular hours. Use the hours you are paid for in a typical week at your normal rate.
Add any overtime. Enter the overtime hours you usually work each week and choose the rate they are paid at: 1.5× for time and a half, 2× for double time, or 1× if your extra hours are paid at your normal rate.
Choose your pay frequency, state and filing status. Weekly, biweekly, semimonthly and monthly are all supported, as are all 50 states and the District of Columbia.
Press Calculate. Your weekly pay is turned into a year of pay, federal income tax, Social Security, Medicare and state taxes are worked out on that year, and the result is divided by the number of paychecks you receive. After the first calculation the result updates as you change any field.
Read the result. Your estimated take-home pay per paycheck is at the top, with a line-by-line breakdown of where the rest goes and a summary of your earnings before tax. Advanced options add 401(k) contributions, health premiums, extra withholding and, where supported, a local income tax.

How to calculate hourly pay

Gross pay from an hourly wage takes a few multiplications:

Regular pay = hourly rate × regular hours per week
Overtime rate = hourly rate × overtime multiplier
Overtime pay = overtime rate × overtime hours per week
Weekly gross = regular pay + overtime pay
Annual gross = weekly gross × 52
Gross per paycheck = annual gross ÷ paychecks a year (52 weekly, 26 biweekly, 24 semimonthly, 12 monthly)

For example, $25 an hour for 40 regular hours and 5 overtime hours at 1.5× is $1,000.00 of regular pay and $187.50 of overtime pay ($37.50 an hour), so $1,187.50 a week and $61,750.00 a year. Paid biweekly, that is $2,375.00 a paycheck.

The year is worked out first and then divided, because that is the only way the four pay frequencies agree. A semimonthly paycheck is not two weeks of pay: the same $61,750.00 paid twice a month is $2,572.92 a paycheck, because the year is split 24 ways rather than 26.

How overtime changes your paycheck

Overtime raises your gross pay faster than regular hours do, because each hour is paid at a multiple of your rate. At $20 an hour, an overtime hour at time and a half pays $30.00, and at double time $40.00.

Your take-home pay rises by less than the overtime pay. Overtime is ordinary wages, so it is added to the rest of your pay for the year: federal income tax is charged on it at the rate of the bracket your top dollars fall into, Social Security and Medicare are charged on it, and so is state income tax where your state has one.

This calculator pays the hours you enter as overtime at the rate you choose. It does not decide whether you are owed overtime, or from which hour — that depends on federal and state law and on your job — and it does not cap regular hours at 40. If your overtime changes from week to week, enter a typical week.

For 2026 there is also a federal deduction for qualified overtime, but only part of some overtime counts, so the calculator never applies it on its own. If you enter overtime at more than your normal rate that takes your week past 40 hours, the result includes a note estimating the part that might qualify. If it does apply to you, enter it under Advanced options as the qualified overtime premium.

Hourly pay examples

Gross pay for a 40-hour week with no overtime, before any tax or deductions:

$15 an hour: $600.00 a week, $1,200.00 every two weeks, $31,200.00 a year
$20 an hour: $800.00 a week, $1,600.00 every two weeks, $41,600.00 a year
$25 an hour: $1,000.00 a week, $2,000.00 every two weeks, $52,000.00 a year
$30 an hour: $1,200.00 a week, $2,400.00 every two weeks, $62,400.00 a year

Take-home pay on the same wage depends on your state, filing status and deductions, which is what the calculator above works out.

Hourly vs take-home pay

Your hourly rate is gross pay: what you earn for an hour before anything is taken out. What reaches your bank account is lower, after federal income tax, Social Security, Medicare, state and local taxes and any deductions you have chosen.

The result shows an estimated take-home per hour worked: a year’s estimated take-home pay divided by a year’s hours, regular and overtime together. It is an average, not your hourly wage, and it will not appear on a pay stub. It is useful for comparing two jobs, or for seeing what an extra shift is worth after tax.

Hourly pay by state

Each of the 50 states and the District of Columbia has a page of its own: the same calculator, opened with that state already chosen, and what a single filer takes home there at seven hourly wages.

Frequently asked questions

How do I calculate my paycheck from an hourly wage?

Multiply your hourly rate by your regular hours for a week of regular pay, add any overtime hours multiplied by your overtime rate, and multiply that weekly figure by 52 for the year. Divide the year by the number of paychecks you receive — 52 weekly, 26 biweekly, 24 semimonthly or 12 monthly — for your gross pay per paycheck.

Take-home pay is what is left after federal income tax, Social Security, Medicare, state and local taxes and your deductions. This calculator works those out from the annual figure and shows each one.

How is overtime calculated?

Overtime pay is your hourly rate multiplied by the overtime multiplier and by your overtime hours. At $20 an hour, time and a half (1.5×) is $30.00 an hour, so 10 overtime hours add $300.00 to the week. Double time (2×) would be $40.00 an hour.

Which hours count as overtime, and at what rate, depends on federal and state law and on your employer. This calculator uses the hours and the rate you enter.

Is overtime taxed differently?

Not at a rate of its own. Overtime is ordinary wages: it is added to the rest of your pay and goes through the same federal brackets, the same Social Security and Medicare and the same state income tax. It can feel taxed more heavily because it is added on top of your other pay, where your highest bracket applies.

For 2026 a federal deduction for qualified overtime can lower your federal income tax, but only the premium part of overtime required by the Fair Labor Standards Act counts — the extra half of time and a half, not the whole overtime payment. The deduction is capped, phases out at higher incomes, and married couples must file jointly to claim it. It does not reduce Social Security or Medicare. Your paycheck changes only once you give your employer an updated W-4; otherwise the benefit arrives when you file your return. This calculator never assumes your overtime qualifies; enter the qualified premium under Advanced options if it does.

Does the calculator include state taxes?

Yes. Choose your state and the calculator applies that state’s income tax — or none, in states that do not tax wages — along with any employee-paid state payroll contributions, such as disability insurance or paid leave, as separate lines. It covers all 50 states and the District of Columbia. For some states, Advanced options also add a local income tax.

Does it work for biweekly pay?

Yes. Biweekly, every two weeks, is the starting choice, and gives 26 paychecks a year. Weekly (52), semimonthly (twice a month, 24) and monthly (12) are there too.

Biweekly and semimonthly are not the same. The calculator divides your annual pay by 26 for biweekly and by 24 for semimonthly, so on the same wage a semimonthly paycheck is larger: $61,750.00 a year is $2,375.00 biweekly but $2,572.92 semimonthly.

Why is my actual paycheck different?

This is an annual estimate divided into paychecks. Your employer’s payroll system works one pay period at a time, using the IRS withholding methods, your W-4 and your year-to-date pay, so a single paycheck can come out higher or lower. Hours that change from week to week, overtime that comes and goes, benefits that start mid-year, local taxes and rounding all move the real figure.

Your pay stub shows what was actually withheld, and your tax return settles what you owe for the year.

Does CalcPaid save my salary or wage information?

No. Every calculation happens in your browser. Your hourly rate, your hours and everything else you enter are never sent to a server, never written to a URL, never saved in cookies or browser storage, and never shared with an analytics or advertising service.

The site uses Google Analytics to count visits, and may show ads from Google. Those services see which page was opened, not what you typed into it. The privacy page has the detail.

US Paycheck Calculator — the same estimate for an annual salary, with more about how each tax is worked out.
Paycheck calculators by state — a page for each of the 50 states and DC, with a short account of what each one applies.
Salary to Hourly Calculator — convert an hourly rate to an annual salary, or a salary to an hourly rate, before tax.
Overtime Pay Calculator — one week's gross pay with overtime, split into regular pay, the base-rate portion and the overtime premium, before tax.
Bonus Paycheck Calculator — estimate the taxes on a one-time bonus and what you keep after them.
Pay Stub Calculator — one paycheck laid out line by line: regular and overtime pay, taxes, deductions and net pay.
Time Card Calculator — add up a week of clock-in and clock-out times, with breaks, to get the hours to enter here.
Work Hours Calculator — total one shift or a few work periods in hours and minutes and decimal hours.