Convert hourly and annual pay in both directions, model overtime, and estimate 2025 or 2026 US take-home pay with explicit tax and deduction assumptions.
A quick decision brief for this specific tool
Hourly or annual pay, work weeks/hours, optional overtime and multiplier; for take-home, 2025/2026 tax year, filing status, state/local effective gross-pay rate, annual traditional 401(k), and monthly after-tax health premium
Gross pay-frequency equivalents, overtime split, equivalent hourly pay, and a simplified federal/FICA/state-local/deduction take-home estimate
Exact pay arithmetic plus selected-year federal brackets, standard deduction, Social Security/Medicare parameters, user-supplied state/local effective rate on gross, and explicit deduction assumptions
Choose your path
Convert hourly and annual gross pay in both directions, model explicit overtime, and optionally inspect a transparent selected-year US take-home scenario.
Annualize regular and overtime pay without hidden default substitution.
Enter rate, weekly hours, 1–53 working weeks, overtime hours, and multiplier; compare regular and total annual pay.
Can reproduce the $52,000 regular plus $9,750 overtime components in the example.
Convert annual pay to an equivalent hourly rate using visible work assumptions.
Switch to salary mode and set annual salary, weekly hours, and working weeks.
Does not unknowingly inherit a hidden part-year assumption and can compare pay frequencies.
Use current or prior-year federal parameters without treating the result as payroll withholding.
Select 2025/2026, filing status, state/local effective gross-pay rate, 401(k), and after-tax health premium.
Sees deduction limits and exclusions, and invalid/over-limit deductions do not produce a plausible net-pay result.
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Multiply the hourly rate by hours worked per week, then by weeks per year. Standard full-time assumes 40 hours/week and 52 weeks.
Annual Salary = Hourly Rate × Hours per Week × 52Divide annual salary by 12 for monthly gross pay. Note this differs from bi-weekly pay (26 paychecks/year).
Monthly Salary = Annual Salary ÷ 12The optional estimate uses the selected year's federal brackets and standard deduction, employee Social Security and Medicare parameters, a user-entered state/local effective rate on gross pay, annual traditional 401(k), and an after-tax health-premium assumption.
Take-home = Gross − Federal − FICA − State/Local − 401(k) − Health PremiumUpdated: August 2026
Converting an hourly warehouse job at $28/hour to annual salary for mortgage pre-approval.
→ Annual: $58,240, monthly: ~$4,853
A freelance designer working 25 billable hours weekly estimates annual income.
→ Annual: $58,500 (before self-employment taxes)
A worker compares regular annual pay with five weekly overtime hours at a selected 1.5× multiplier before estimating deductions.
Using 52 weeks assumes no vacation or holidays. For hourly workers with 2 weeks unpaid leave, use 50 weeks: $28 × 40 × 50 = $56,000, not $58,240.
Salaried roles often include health insurance, PTO, and 401(k) match worth 20–30% of base pay. A $55K salary may exceed $28/hour in total compensation.
Compare gross pay frequencies and optional overtime, then use the selected tax year for a transparent planning estimate. The result is not payroll withholding or a tax return and excludes credits, itemized deductions, many benefits, and local payroll rules.