Convert salary or hourly pay across frequencies and estimate 2025/2026 US federal, payroll, optional state/local tax, 401(k), and take-home pay.
A quick decision brief for this specific tool
Gross annual pay or hourly rate plus work weeks/hours; for take-home estimates, filing status, 2025/2026 tax year, optional state/local effective rate, and employee 401(k) percentage
Gross annual/monthly/biweekly/weekly equivalents and a simplified federal, payroll, optional state/local, 401(k), and net-pay breakdown
Exact pay-frequency arithmetic plus selected-year federal brackets/standard deduction, employee Social Security and Medicare rules, Additional Medicare Tax, and a user-supplied state/local effective rate
Choose your path
Convert gross pay into a transparent take-home estimate across pay frequencies without hiding federal/payroll-tax assumptions or confusing an estimate with withholding or a return.
Compare two gross offers on the same pay and tax basis.
Set salary, frequency, filing assumptions, and pre-tax deductions; inspect gross, taxes, and net pay.
Can compare like-for-like scenarios and identify every omitted benefit, tax, and deduction.
Normalize pay into annual and per-paycheck amounts.
Choose the correct frequency, verify annualization, and review per-period versus annual totals.
Does not confuse pay periods, work hours, or overtime assumptions.
Estimate cash flow from a phone with current-year sources visible.
Load an example, adjust one assumption, inspect take-home breakdown and scope, then export/copy.
Completes the task with named 44px controls and treats the result as planning rather than payroll advice.
This tool is part of these guided projects. Each project provides step-by-step instructions with checklists and all the tools you need in one place.
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Estimate US federal income tax for 2025–2026. See federal tax owed, effective and marginal rates, and after-tax income by filing status.
Allocate exactly 100% of monthly income, compare non-negative actual spending, expose fixed-dollar extras, and review transparent balances and planning ratios.
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.
Annual salary is divided into 12 monthly, 26 biweekly, 52 weekly, 260 workday, and 2,080-hour equivalents. Hourly mode multiplies the entered rate by work hours and work weeks, with separately stated overtime assumptions.
Annual hourly pay = (Regular weekly pay + Overtime weekly pay) × Work weeksFederal regular income tax uses the selected year's standard deduction and progressive brackets. Employee Social Security is capped at that year's wage base; Medicare applies to wages and the additional 0.9% is included above the filing-status threshold.
Net = Gross − Federal − Social Security − Medicare − State/local estimate − 401(k)The state/local field is a user-entered effective percentage of gross pay, not a state tax table. The result is not paycheck withholding or a tax return and omits credits, itemized deductions, benefits, other income, and special wage treatment.
State/local estimate = Gross pay × User-entered effective rateUpdated: August 2026
A single filer compares gross and simplified federal/payroll take-home with no state/local estimate or 401(k) contribution.
→ Modeled federal tax: $7,670; employee payroll taxes: $5,737.50; net: $61,592.50 before omitted items
Evaluating two job offers after accounting for different tax implications and benefit deductions.
→ Compare total compensation, not just gross salary
A worker enters hourly rate, regular hours, work weeks, weekly overtime, and overtime multiplier to avoid treating a 52-week salary equivalent as guaranteed paid time.
Progressive tax brackets apply incrementally. Earning $75K doesn't mean all income is taxed at 22%. Use effective rate or bracket-by-bracket calculation.
Actual withholding and liability depend on W-4 choices, other income, benefits, credits, deductions, local rules, and employer payroll. Use the estimate for like-for-like planning and verify consequential decisions.
Compare gross salary and hourly offers on the same time basis, then build a transparent US take-home planning estimate. Choose 2025 or 2026, filing status, an optional state/local effective rate, and a 401(k) percentage; blank or invalid pay is never replaced with an example behind the scenes.