Hourly Paycheck Take-Home Calculator

How the hourly paycheck take-home calculator works

Enter your hourly rate, the regular hours you work each week, any overtime hours, and the overtime multiplier. Pick your pay frequency (weekly, biweekly, semimonthly, or monthly), your filing status, and your state. If you have pre-tax deductions per paycheck, such as a 401(k) contribution or a health premium, add those too, and the results update as you type.

You get the gross pay for one paycheck, then everything that comes out of it: federal income tax, Social Security, Medicare, and a state tax estimate. Whatever is left is your net take-home pay. The tool also shows your effective tax rate and an annual take-home estimate, so you can see the yearly picture from a single check.

How hourly gross pay and overtime are calculated

Regular pay is just your hourly rate times the hours you work. Overtime gets paid on top, usually at 1.5 times your rate (time and a half) for hours over 40 in a week, though you can also pick 1x or 2x (double time) here. Your weekly gross is regular pay plus overtime pay.

To keep the totals consistent across different pay schedules, the tool annualizes weekly gross by multiplying it by 52, then divides by the number of paychecks per year. So switching between biweekly (26 checks) and semimonthly (24 checks) only changes the size of each check, not your annual total.

The taxes taken out of your paycheck in 2026

Federal income tax uses an annualized method. The tool subtracts the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) and any pre-tax deductions, applies the 2026 federal brackets, then divides back down to your pay period.

Social Security is 6.2% on wages up to the 2026 wage base of $184,500, so it stops once your annualized gross passes that cap. Medicare is 1.45% on all wages with no cap, plus a 0.9% surtax on wages above $200,000 (single or head of household) or $250,000 (married filing jointly). FICA is estimated on full gross, since most common deductions stay FICA-taxable.

State income tax here is a simplified flat-rate estimate, not exact state withholding. No-income-tax states resolve to 0%, the listed states use their flat rate, and you can enter a custom rate for anywhere else. Progressive-bracket states are approximated, so treat the state figure as a rough guide.

Hourly take-home pay for one worker or a whole team

This page models one paycheck for one worker. When you need to run a full payroll, the WorkLogs44 Payroll Calculator app handles a whole team at once with employer SUTA, FUTA, and the FICA match, decimal-precise across all 50 states plus DC and with year-to-date wage-base tracking.

You can also dig into related estimates with the Salary After Tax by State calculator, the Bonus Tax Calculator, the Multi-Employee Payroll Calculator, the Employer Cost Calculator, and the SUTA / FUTA Employer Tax Calculator.