Weekly Pay
Helps with short-term budgeting and weekly cashflow planning.
Free · No signup · Updated for 2026
Salary to Hourly Calculator
Your Annual Salary
$52,000.00
Based on $25.00/hr · 40 hrs/wk · 52 wks
Daily
$200.00
Weekly
$1,000.00
Bi-Weekly
$2,000.00
Monthly
$4,333.33
$
Include Overtime
Calculated at 1.5× your hourly rate
Annual Salary vs Hourly Rate
How annual salary scales with pay rate at your current hours & weeks
| Pay Period | Amount |
|---|
Show Your Work
$
Include Overtime
Calculated at 1.5× your base hourly rate
Hourly Rate vs Annual Salary
How your equivalent hourly rate scales with annual salary
| Pay Period | Amount |
|---|
Show Your Work
Results are pre-tax estimates. Actual take-home pay will vary based on your location and deductions.
Need your take-home figure? Try the take-home pay calculator, or browse state-by-state salary calculators.
The Breakdown
Your Results, Explained
Every pay-frequency view is calculated at once, so you can plan around the schedule that actually matches your life.
Bi-Weekly Pay
Matches the schedule used by most U.S. employers.
Monthly Pay
Ideal for rent, mortgage, and subscription planning.
Annual Salary
The big-picture view for offers, taxes, and long-term goals.
Using the Calculator
Five steps. Real numbers. No guesswork.
The calculator does the math, but understanding each input helps you trust the answer and run scenarios with confidence.
Enter Your Hourly Rate
Type the dollar amount you earn per hour. In 2026, common rates run from the federal minimum of $7.25 (higher in many states) up to $50+ for specialized roles. Run multiple scenarios when comparing job offers.
Hours Worked Per Week
Standard full-time is 40 hours. Part-time typically ranges from 20–35. If your schedule varies, enter your weekly average for a realistic annual view that reflects how your year actually unfolds.
Weeks Per Year
Most full-timers work 52. Take 2 weeks unpaid? Enter 50. Seasonal schedules might land at 30–40 weeks. Adjusting this single number produces a much more honest annual figure than the default.
Add Overtime (Optional)
Overtime pays time-and-a-half, 1.5× your hourly rate for any hour past 40 per week. Five hours of weekly overtime at $20/hr adds $7,800 a year. Worth knowing before you negotiate.
Review Every Pay View
You'll see weekly, bi-weekly, monthly, and annual at once. Use the weekly figure for budgeting, monthly for rent, annual for taxes and lender applications. One calculation, every angle covered.
Quick Examples
See it on real numbers
Four common scenarios, calculated end-to-end. Use them as benchmarks or starting points for your own situation.
Entry-level full-time
$15/hour
$15 × 40 × 52
$31,200
Mid-range full-time
$25/hour
$25 × 40 × 52
$52,000
25 hrs/week part-time
$18/hour PT
$18 × 25 × 52
$23,400
40 reg + 5 OT hrs/week
$20/hr + OT
($20×40+$30×5)×52
$49,400
The Formula
Annual Salary = Hourly Rate × Hours/Week × Weeks/Year
Worked example: $25 × 40 × 52 = $52,000
Methodology
How the math works under the hood
Trustworthy results start with transparent assumptions. Here's exactly what we do, why, and where the numbers come from.
Standard Work Year
We default to 52 weeks per year, the figure used by employers, the IRS, and lenders. Override it if you take unpaid leave or work seasonally.
Full-Time Threshold
40 hours/week is treated as standard full-time. Enter any number — part-time, compressed schedules, and split shifts all work the same way.
FLSA Overtime Multiplier
Overtime hours are calculated at 1.5× your base rate, the federal Fair Labor Standards Act standard for non-exempt employees over 40 hrs/week.
Authoritative Data Sources
Tax brackets pull from the IRS; FICA rates from SSA; median wages from BLS; minimum wage from the Department of Labor. Updated quarterly.
Do It By Hand
How to convert hourly to annual (the long way)
Knowing how to calculate it manually means you can run quick numbers in a meeting, a job interview, or a salary negotiation without reaching for a phone.
Pin down your hourly rate
Use base pay only — exclude tips, bonuses, and overtime premium.
Multiply by weekly hours
Count only paid hours. Skip unpaid lunches, breaks, and prep time.
Multiply by 52 weeks
Or fewer if you take unpaid time off. The result is your annual salary.
Worked Examples
| Scenario | Formula | Annual |
|---|---|---|
| $15/hr · 40 hr/wk · 52 wk | 15 × 40 × 52 | $31,200 |
| $25/hr · 40 hr/wk · 52 wk | 25 × 40 × 52 | $52,000 |
| $18/hr · 25 hr/wk · 52 wk | 18 × 25 × 52 | $23,400 |
| $20/hr + 10 OT hrs/wk · 52 wk | (20×40 + 30×10) × 52 | $57,200 |
Working Backwards
Reverse: Annual Salary to Hourly Rate
Comparing a salaried offer to your current hourly job? Flip the formula. Divide your annual salary by total hours worked to find the true hourly rate behind any offer.
The Reverse Formula
Hourly Rate = Annual Salary ÷ (Hours/Week × Weeks/Year)
Standard offer
$50,000 / year
50,000 ÷ (40 × 52) = 50,000 ÷ 2,080 hours
$24.04
Senior offer
$75,000 / year
75,000 ÷ (40 × 52) = 75,000 ÷ 2,080 hours
$36.06
Pay Frequency
Weekly, bi-weekly, semi-monthly, monthly
Different schedules, different math. Here's how each pay frequency stacks up — and why bi-weekly and semi-monthly aren't the same thing.
| Pay Frequency | Periods/Year | $52K Annual Becomes | Best For |
|---|---|---|---|
| Weekly | 52 | $1,000 | Hourly workers, tight cashflow |
| Bi-Weekly Most common | 26 | $2,000 | ~36% of U.S. private employers |
| Semi-Monthly | 24 | $2,167 | Salaried roles, fixed dates (1st/15th) |
| Monthly | 12 | $4,333 | Executive, contractor, international |
Bi-weekly = 26 paychecks
Paid every other week. Two months out of every year you'll get three paychecks instead of two — a budgeting feature, not a bug.
Semi-monthly = 24 paychecks
Paid twice per month, usually on the 1st and 15th. Same total dollars, but slightly larger checks and exactly two per month, every month.
Paycheck Reality
Gross pay vs. net pay: where the difference goes
Most calculators show gross — what you earn on paper. Your bank account sees net — what's left after federal, state, FICA, insurance, and retirement come out.
Gross Pay
The total you've earned before any deductions. This is what shows up in salary offers, job postings, and W-2 box 1 (after pre-tax adjustments).
Net Pay
What lands in your bank account after federal income tax, state tax, FICA, insurance, retirement, and any other withholdings come out.
Tax Breakdown
How taxes shape your real hourly rate
Three layers of tax come out of every paycheck. Knowing what each one is and roughly what it costs you turns vague paycheck anxiety into specific, actionable numbers.
Federal income tax — 2026 brackets (single filer)
| Tax Rate | Income Range (Approx.) | Tax on Top of Bracket |
|---|---|---|
| 10% | $0 – $11,600 | $1,160 |
| 12% | $11,601 – $47,150 | $5,426 |
| 22% | $47,151 – $100,525 | $17,168 |
| 24% | $100,526 – $191,950 | $39,110 |
| 32% | $191,951 – $243,725 | $55,678 |
| 35–37% | $243,726+ | Top brackets |
FICA — 7.65% combined
6.2% Social Security — applied to wages up to the annual cap (~$168,600 in 2026).
1.45% Medicare — applied to all wages, no cap. Add 0.9% on income above $200K.
No state income tax
Alaska · Florida · Nevada · New Hampshire · South Dakota · Tennessee · Texas · Washington · Wyoming
Highest top brackets
California (13.3%) · Hawaii (11%) · New York (10.9%) · New Jersey (10.75%) · Oregon (9.9%)
Deductions
Pre-tax vs. post-tax: deductions that reshape your pay
Pre-tax deductions reduce the income that taxes apply to — meaning every dollar you contribute saves you a partial tax dollar back. Post-tax deductions come out of what's left.
Pre-Tax Deductions
These come out before taxes are calculated, lowering your taxable income.
- 401(k) / 403(b) contributions — up to $23,500 in 2026 ($31K if 50+).
- Health insurance premiums — employer-sponsored medical, dental, vision.
- HSA / FSA contributions — triple tax advantage on HSAs (with HDHP).
- Commuter benefits — up to $315/mo for transit and parking.
Post-Tax Deductions
Taken from your check after taxes are already calculated.
- Roth IRA contributions — pay tax now, withdraw tax-free in retirement.
- Wage garnishments — court-ordered: child support, debts, taxes.
- Union dues — typically 1–3% of gross wages, varies by union.
- Life insurance / disability — voluntary policies above employer-paid base.
Overtime
Overtime pay, calculated correctly
Federal law requires 1.5× pay for non-exempt employees working over 40 hours per week. Some states, like California and Alaska, layer on daily overtime rules and double-time triggers.
Regular Time
1.0×
Hours 0–40 per week
Overtime (FLSA)
1.5×
Hours 41+ per week
Double Time (some states)
2.0×
7th day, 12+ hrs/day in CA
Worked Example
$20/hr · 40 regular + 10 overtime hours/week · 52 weeks
Regular: 20 × 40 × 52 = $41,600
Overtime: (20 × 1.5) × 10 × 52 = 30 × 10 × 52 = $15,600
Total annual: $57,200
Working Hours
The hidden assumptions in salary math
Most online salary calculators quietly assume you work 2,080 hours a year. If you actually take vacation, holidays, or unpaid leave, your effective hourly rate is higher than they suggest.
| Schedule Reality | Weeks Worked | Hours / Year | $25/hr Annual |
|---|---|---|---|
| Standard textbook (no PTO) | 52 | 2,080 | $52,000 |
| 2 weeks paid vacation | 52* | 2,080 | $52,000 |
| 2 weeks unpaid + 10 holidays | 48 | 1,920 | $48,000 |
| Seasonal (school calendar, etc.) | 36 | 1,440 | $36,000 |
Quick Lookup
Popular hourly rate conversions
Common rates, instantly converted. All assume 40 hrs/week × 52 weeks. Click any rate to dive deeper into its full after-tax breakdown.
Reading Your Stub
Reading every line of your pay stub
A pay stub looks dense, but every line answers a specific question. Once you know what each section means, you can spot errors in seconds and verify that what you signed up for is what you're actually getting paid.
Earnings Statement
| Regular (80 hrs × $25) | $2,000.00 |
| Overtime (4 hrs × $37.50) | $150.00 |
| Gross Pay | $2,150.00 |
| Federal income tax | −$258.00 |
| Social Security (6.2%) | −$133.30 |
| Medicare (1.45%) | −$31.18 |
| State tax | −$87.07 |
| Health insurance | −$60.00 |
| 401(k) contribution (5%) | −$107.50 |
| Net Pay | $1,580.45 |
Benchmark
Where do you stand? 2026 wage benchmarks
Bureau of Labor Statistics data, current to 2026. Median means half of all earners are above and half below — useful for sanity-checking offers and negotiating with realistic context.
$23.11
per hour, all occupations ≈ $48,069 annually
$80,610
U.S. Census, 2024 data · +5.6% YoY (real terms)
$7.25
unchanged since 2009 · 30+ states pay higher
$50.30+
per hour, BLS ≈ $104,624+ annually
Annual median by occupation group
| Management occupations | $116,880 |
| Computer & mathematical | $104,420 |
| Architecture & engineering | $91,120 |
| Legal occupations | $89,200 |
| Healthcare practitioners | $81,950 |
| Business & financial | $79,050 |
| Education, training, library | $57,920 |
| Construction & extraction | $53,980 |
| Office & administrative support | $44,740 |
| Sales & related | $36,930 |
| Food preparation & serving | $30,790 |
By State
State-specific salary and tax calculators
State income tax can range from 0% to 13%+. Pick your state to see exact brackets, deductions, and how a $50K, $75K, or $100K salary really translates after taxes where you live.
Special Cases
Not every paycheck looks like a salary
1099 contractors, tipped roles, commission, gig work, multiple jobs — each needs a different approach to figure out the real per-hour number.
Independent Contractors
Pay your own 15.3% self-employment tax (full FICA). Set aside 25–30% for all taxes combined. No PTO, no employer benefits — factor that into rate.
Tipped Employees
Federal tipped minimum is $2.13/hr if tips bring you to $7.25 total. Many states require employers to pay full minimum regardless. Track tips carefully with a tip calculator — they're taxable income.
Commission-Based
Variable income makes hourly conversion tricky. Use a 12-month average, or the most recent 6 months if your role is new. Add base salary if you have one.
Gig Economy
Uber, Instacart: track all hours including waiting and driving. Subtract gas, depreciation, and self-employment tax. Real per-hour usually 25–35% lower than gross.
Multiple Jobs
Combined income can push you into a higher tax bracket. Adjust W-4 withholding (Step 2) on the higher-paying job to avoid an April surprise.
Salaried & Exempt
No overtime pay above 40 hrs/week. Calculate effective hourly by dividing salary by actual hours worked — including any unpaid evenings or weekends.
Beyond the Paycheck
Total compensation: the bigger number behind your salary
Salary is one piece. Health insurance, retirement match, equity, paid time off, and other benefits often add 25–40% on top. When you compare offers, compare total compensation — not just the headline number.
Example: $75,000 base salary
$102,750 total| Base salary | $75,000 |
| Health insurance (employer-paid) | $9,000 |
| 401(k) match (4% of salary) | $3,000 |
| PTO (15 days × $288/day) | $4,320 |
| Bonus (15% target) | $11,250 |
| Other (life ins, dental, FSA, etc.) | $180 |
Common Questions
Frequently asked questions
Is the calculator free?
Yes. The calculator is 100% free, requires no signup, and there are no usage limits. Run as many scenarios as you want, share with anyone, and bookmark it for next time.
Are the tax estimates accurate for my situation?
Estimates are accurate for typical scenarios using 2026 federal brackets, FICA rates, and state averages. For exact paycheck figures based on your W-4, dependents, and credits, use a comprehensive take-home pay calculator or consult a tax professional.
How do I calculate hourly to annual quickly in my head?
Double your hourly rate and add 3 zeros — that's a rough annual salary. $25/hr × 2 = 50, add 3 zeros = $50,000. Actual is $52,000 (40 hrs × 52 weeks). Close enough for back-of-napkin math.
What's the difference between bi-weekly and semi-monthly?
Bi-weekly = every 2 weeks = 26 paychecks per year. Semi-monthly = twice per month (usually 1st and 15th) = 24 paychecks. Same annual dollars, different rhythm.
Does this account for overtime?
Yes. Add overtime hours in the advanced options. We calculate overtime at 1.5× your base rate, the federal FLSA standard. Some states layer on additional rules — we include those in state-specific calculators.
Why is my take-home pay so much less than the calculator shows?
The headline number is gross pay (before taxes and deductions). Take-home is typically 70–80% of gross after federal tax, FICA, state tax, insurance, and retirement contributions. Higher-tax states and bigger benefit packages reduce it further.
Can I use this for contractor / 1099 income?
Yes, but factor in self-employment tax (15.3%) and the absence of employer benefits. Set aside roughly 25–30% of gross for all taxes combined. Your effective hourly is lower than a W-2 employee at the same gross rate.
How often is the calculator updated?
Tax brackets are refreshed annually (each January). FICA rates and Social Security wage caps are updated as the SSA publishes them. Median wage data updates quarterly from the Bureau of Labor Statistics.
Ready to Calculate
Run the numbers in 10 seconds.
Free, no signup, instant results across every pay frequency. Updated for 2026 tax brackets and 50-state estimates.