Take-Home Pay & Hourly Wage Calculator
Choose a country, convert between hourly, monthly and annual pay, and estimate your take-home pay after tax and social contributions, with a breakdown.
1. Enter pay and conditions
Choose a country and enter an hourly wage, monthly salary or annual income to instantly see the other amounts and an estimate of your take-home pay.
New York City is listed separately because it has its own income tax.
Enter as
Conditions
Taken before income tax, up to $24,500 a year.
2. Hourly, monthly & annual pay
Gross amounts (before taxes and insurance premiums).
- Hourly
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- Daily
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- Monthly
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- Annual
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3. Estimated take-home pay
Approximate amounts based on 2026 tax and insurance rates.
- Annual take-home pay
- —
- Monthly take-home pay
- —
- Take-home ratio
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Assumptions
- Calculated with 2026 tax and insurance rates.
- Federal income tax is the full-year amount owed, with the standard deduction ($16,100). Itemized deductions, the senior deduction and the tips or overtime deductions are not included.
- Social Security is 6.2% of wages up to $184,500. Medicare is 1.45%, plus 0.9% on wages over $200,000.
- State income tax is the full-year amount owed, using California's 2026 standard deduction, exemptions and main credits. Some high-income phase-outs and smaller credits are not included.
- State payroll contributions (disability insurance, paid leave and so on) use the highest employee rate an employer may withhold.
- Local income taxes are not included.
- This is the tax owed for the year, not paycheck withholding, so your pay stub may differ. The Earned Income Tax Credit, other income, and pre-tax benefits such as health insurance are not included.
Everything is calculated on this device. The numbers you enter are never sent anywhere.
Take-home pay is an estimate. Actual amounts vary with your employer, where you live and your deductions. Check your payslip.
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How to use
1. Enter an amount
Choose “Monthly” and type an amount in the field below. Scroll down to see “Hourly, monthly & annual pay” and “Estimated take-home pay”.
Choose “Monthly” on the left and type an amount in the field below. “Hourly, monthly & annual pay” and “Estimated take-home pay” appear on the right as you type.
2. Enter your work hours
Below the amount, enter “Hours per day” and “Days per week”. The hourly and daily pay below are recalculated for those hours.
Below the amount, enter “Hours per day” and “Days per week”. The hourly and daily pay on the right are recalculated for those hours.
3. Choose your conditions
Under “Conditions”, choose what applies to you, such as your filing status or the number of children. “Estimated take-home pay” below is recalculated. To switch to another of the 11 countries, change “Country” at the top.
Under “Conditions” on the left, choose what applies to you, such as your filing status or the number of children. “Estimated take-home pay” on the right is recalculated. To switch to another of the 11 countries, change “Country” at the top.
4. Check the breakdown and copy
“Deductions breakdown” shows each tax and contribution, such as “Federal income tax”, “Social Security” and “Medicare”, per year and per month. Tap the copy button to the right of a result to copy just that number.
“Deductions breakdown” on the right shows each tax and contribution, such as “Federal income tax”, “Social Security” and “Medicare”, per year and per month. Click the copy button to the right of a result to copy just that number.
Great for
Converting a job ad's hourly wage to monthly or annual pay
See right away what a listing like “$18 an hour, 6 hours a day, 4 days a week” works out to per month and per year.
People looking for part-time jobs
Estimating take-home pay for a job offer
Enter the offered salary and the state you'd live in to see roughly what you'd take home each month after taxes, and compare it with your current pay stub.
People thinking about changing jobs
Understanding the deductions on your pay stub
See how much of your pay goes to federal and state income tax, Social Security and Medicare, line by line.
People getting their first paycheck
Comparing take-home pay between countries
Switch “Country” to see how the same salary works out after tax in another of the 11 countries.
People planning to move or work abroad
Good to know before you start
- Take-home pay is an estimate. It is the tax owed for the year, not what is withheld from each paycheck, so your pay stub can differ.
- This is for employees paid a salary or an hourly wage. It doesn't work out self-employment tax for freelancers or contractors.
- Other income (side jobs, investments, etc.), the Earned Income Tax Credit, itemized deductions, health insurance through your employer and most local income taxes are not included. “Assumptions” below the results lists what is left out for each country.
How take-home pay is calculated
Take-home pay is your gross pay minus taxes and the contributions taken from an employee's pay. In the United States, the deductions for 2026 are federal income tax, Social Security (6.2% of wages up to $184,500), Medicare (1.45% of all wages, plus 0.9% on wages over $200,000, or $250,000 for married couples filing jointly) and the income tax of your state. Some states also take payroll contributions, such as California's State Disability Insurance (1.3%). A 401(k) contribution, if you choose one, is taken before income tax.
Federal income tax for 2026 starts after the standard deduction: $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household. The rest is taxed in brackets from 10% to 37%. For a single filer, that's 10% up to $12,400 of taxable income, 12% up to $50,400 and 22% up to $105,700. The Child Tax Credit then takes $2,200 per child under 17 off the tax. Nine states have no income tax on wages, and New York City adds its own income tax.
FAQ
Common questions about converting pay and calculating take-home pay.
Is the income or salary I enter sent anywhere?
No. All calculations run in the browser on your device. The amounts you enter are never sent to or stored on a server.
Which countries can I calculate?
11 countries: Japan, the United States, the United Kingdom, Germany, France, Spain, China, South Korea, Brazil, Russia and Egypt. The country shown first follows the site's language. Choose another one with “Country” at the top.
How is monthly pay calculated from an hourly wage?
Monthly hours = hours per day × days per week × 52 weeks ÷ 12 months, and monthly pay = hourly wage × monthly hours. For the United States, the starting hours are 8 a day, 5 days a week: about 173.3 hours a month, or 2,080 hours a year.
What percentage of gross pay is take-home pay?
It depends on your pay, your state and your conditions. The ratio usually falls as income rises, because higher income is taxed at higher rates. “Take-home ratio” shows the ratio for the conditions you entered.
Why is it different from my pay stub?
This tool works out the tax you owe for the full year, not what your employer withholds from each paycheck based on your W-4. If more is withheld than you owe, you get the difference back when you file. Health insurance and other pre-tax benefits, local taxes and other income are not included either. “Assumptions” below the results says what is and isn't included.
Which filing status should I choose?
“Single” if you're not married. Married couples usually choose “Married filing jointly”; the tool then assumes this salary is the household's only income. “Head of household” is for unmarried people who pay more than half the cost of a home for a child or another qualifying person. The 2026 standard deduction is $16,100, $32,200 or $24,150, in that order.
How is the Child Tax Credit included?
Enter the number under “Children under 17”. Each child takes $2,200 off federal income tax in 2026. If the credit is more than your tax, up to $1,700 per child comes back when you file, shown as “Tax refund when you file”. The credit goes down by $50 for each $1,000 of income over $200,000 ($400,000 for married couples filing jointly).
Does it include state and city income taxes?
Yes. Choose your state under “State you live in”. Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming have no income tax on wages. New York City is listed separately because it adds its own income tax, and Maryland includes a county tax of 3.2%. Other city or county income taxes are not included.
How does a 401(k) contribution change take-home pay?
Choose a share under “401(k) contribution (% of pay)”. It is taken before income tax, up to $24,500 in 2026, so your income tax goes down. Social Security and Medicare still apply to it. Your take-home pay falls by less than the contribution. Your employer's match is not shown.
Why does Social Security stop going up at high salaries?
In 2026, Social Security is 6.2% of wages only up to $184,500 a year, so it stays the same above that. Medicare has no limit, and 0.9% more is taken on wages over $200,000 ($250,000 for married couples filing jointly).
Which year's tax rates are used?
Each country uses its current rates, and the year is shown under “Estimated take-home pay”. For the United States it's 2026. A few states have not published all their 2026 amounts yet, so 2025 amounts are used there, as “Assumptions” says. When rates change, the tool will be updated.
Is it free?
Yes, it's free. No sign-up required, and no ads.
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