Pay & Salary

Paycheck calculators for all 50 states, hourly to salary converters, overtime, and take-home pay tools.

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Paycheck Calculator 2026 — Free Take-Home Pay Estimator

2026

Calculate your take-home pay after federal and state taxes, FICA, and deductions for all 50 states. Free, instant results based on 2026 tax rates.
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Salary to Hourly Calculator

Convert annual salary to hourly rate and vice versa. See daily, weekly, biweekly, and monthly pay breakdowns.
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Bonus Tax Calculator

Calculate tax withholding on your bonus. See net bonus after federal (22% flat or aggregate method), FICA, and state taxes.
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Pay Raise Calculator

Calculate the real impact of a pay raise after taxes. See how much extra take-home pay you'll actually receive.
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Overtime Calculator

Calculate overtime pay at time-and-a-half or double time. See regular, overtime, and total weekly and annual earnings.
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Wage Garnishment Calculator

Calculate maximum wage garnishment for child support, creditors, student loans, or IRS levies.
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Time Card Calculator

Calculate weekly work hours from shift start/end times with breaks. See regular vs overtime hours.
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PTO / Vacation Days Calculator

Track PTO accrual, usage, and remaining balance. See projected year-end PTO and carry-over risk.
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Net to Gross Salary Calculator

Find the gross salary needed to achieve your desired take-home pay after all taxes.
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Net Income Calculator

Quick gross-to-net income calculator showing all tax deductions. See monthly, biweekly, and hourly net.
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Take-Home Pay Calculator (Quick)

Instant take-home pay estimate from salary and state. No complex inputs needed.
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Required Salary Calculator

Calculate the gross salary you need to afford your lifestyle — rent, debts, savings, and taxes.
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Lifetime Earnings Calculator

Calculate total career earnings from current salary to retirement with annual raises.
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Hourly Wage Calculator

Convert annual salary to hourly rate and vice versa with all pay period breakdowns.
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Double Time Pay Calculator

Calculate double time pay for overtime, holidays, and special shifts.
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Sales Commission Calculator

Calculate commission from sales with optional tiered rates.
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Minimum Wage Comparison Calculator

Compare minimum wage across all 50 states with annual income at each rate.

About Pay & Salary Calculators

This category covers the math between what you earn and what actually lands in your bank account. The Paycheck Calculator 2026 estimates take-home pay after federal income tax, Social Security and Medicare (FICA), and state withholding, so you can sanity-check a new offer or a W-4 change before payday. The Salary to Hourly Calculator and Hourly Wage Calculator translate between annual, weekly, and per-hour figures, which matters when you compare a salaried role against contract or shift work.

Use the Overtime Calculator to confirm the time-and-a-half your employer owes under the federal Fair Labor Standards Act, and the Bonus Tax Calculator to see why a bonus often shrinks at withholding time, since the IRS treats it as supplemental wages. The Pay Raise Calculator shows the real percentage and after-tax value of a raise, while the Wage Garnishment Calculator estimates how much of a paycheck a creditor can take under the federal Consumer Credit Protection Act limits.

These tools fit anyone weighing a job change, negotiating pay, budgeting around a court order, or checking that withholding looks right before filing season.

Frequently Asked Questions

Why is so much tax taken out of my bonus?
The IRS classifies bonuses as supplemental wages, and most employers withhold federal tax on them at a flat supplemental rate rather than your normal bracket. That flat rate is often higher than your actual marginal rate, so the bonus looks heavily taxed on the pay stub. Withholding is not your final tax bill, though, the difference is reconciled when you file your return, so you may get part of it back as a refund.
How much of my paycheck can a creditor garnish?
For most consumer debts, the federal Consumer Credit Protection Act caps garnishment at the lesser of 25% of your disposable earnings or the amount by which your disposable pay exceeds 30 times the federal minimum wage of $7.25 an hour. Different limits apply to child support, alimony, federal student loans, and unpaid taxes, which can reach higher percentages. Some states set stricter protections than the federal floor, and the lower of the two limits always applies.
Does a higher salary ever leave me with less take-home pay?
No, because the U.S. uses a progressive tax system where only the income inside each bracket is taxed at that bracket's rate, not your entire salary. Moving into the 24% bracket means only the dollars above the threshold are taxed at 24%, so a raise always increases your after-tax pay. The marginal rate can, however, reduce how much of a raise you keep, which is what the Pay Raise Calculator isolates.
When am I entitled to overtime pay?
Under the federal Fair Labor Standards Act enforced by the Department of Labor, nonexempt employees must receive at least 1.5 times their regular rate for hours worked beyond 40 in a workweek. Eligibility depends on your job duties and salary level, not just your title, so many salaried workers still qualify. Several states add their own rules, such as daily overtime after 8 hours, and where state law is more generous it governs.
How do I convert an annual salary to an hourly wage?
A common shortcut divides the annual salary by 2,080, which assumes 40 hours a week across 52 weeks of full-time work. That figure ignores unpaid time off, so your effective hourly rate is higher if you take significant unpaid leave. The Salary to Hourly Calculator lets you set your actual weekly hours and weeks worked, which gives a truer comparison when weighing salaried jobs against hourly or contract roles.