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EVERY SALARY & INCOME DECISION · WITH THE MATH SHOWN

Salary & Income Calculators

Free salary calculators. Take-home pay, paycheck breakdowns, hourly-to-salary conversion, pay-raise impact, cost-of-living adjustments. Built on BLS OES, DOL minimum wage, and state DOR data.

Start with Salary Calculator →

  • Salary Calculator

    Popular

    Convert salary across annual, monthly, biweekly, and hourly equivalents.

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  • Take-Home Pay Calculator

    Compute net pay after federal, state, and FICA taxes.

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  • Paycheck Calculator

    Break down paycheck including pre-tax benefits and deductions.

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  • Salary to Hourly

    Convert annual salary to hourly rate.

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  • Hourly to Salary

    Convert hourly wages to annual salary equivalents.

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  • Pay Raise Impact

    See how a raise affects take-home pay after taxes.

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  • Salary Negotiation

    Prepare for salary negotiations with BLS-benchmarked ranges.

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  • Inflation-Adjusted Salary

    See salary in real purchasing power using CPI data.

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  • Salary by State

    Compare salary across all 50 states after taxes and COL.

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  • Cost of Living Comparison

    Compare COL between cities and states using BEA RPP.

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  • Overtime Calculator

    Calculate overtime pay per FLSA and state-specific rules.

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  • Bonus Tax Calculator

    Estimate bonus withholding at federal supplemental rate.

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Salary — deep-dive guides, FAQs, examples, sources

Long-form content kept collapsed by default so the calculator grid stays front-and-center. Expand any section below for primary-source analysis, worked examples, and category FAQs.

Guides (6 articles)▾

Complete salary calculator guide 2026

10 min read

BLS Occupational Employment Statistics publishes wage data for 800+ occupations across 400+ metro areas[1]. Your salary benchmark depends on job title, location, and experience.

Gross vs net

Gross: stated salary. Net: after federal, state, FICA, pre-tax deductions. Net typically 65-75% of gross.

Cost of living adjustment

$100k in San Francisco = $55k in rural Mississippi per BEA Regional Price Parities[6]. Negotiating remote should factor RPP differential.

Salary negotiation playbook

9 min read

Research: BLS OES, Glassdoor, levels.fyi. Anchor high (10-15% above target). Never name number first. Negotiate signing bonus + equity + benefits, not just base.

Salary by state: $100k comparison

8 min read

$100k take-home varies from $74k in CA to $79k in TX. State income tax is the main difference. Cost of living further diverges actual purchasing power.

Hourly to salary conversions

6 min read

$50k salary = $24/hr at 2080 hrs/yr. Freelancers should charge 2-3× W-2 equivalent for benefits, taxes, and variable work.

Salary decision framework

6 min read

Raw: Salary Calculator. Net: Take-Home Pay. Paycheck: Paycheck. Raise: Pay Raise Impact. Convert: Salary to Hourly.

Common salary mistakes

7 min read

Accepting first offer, not benchmarking, ignoring total comp (equity, 401k match, health), not re-negotiating at review.

FAQ (15 questions)▾
What is take-home pay?
Salary after federal, state, FICA, and pre-tax deductions. Typically 65-75% of gross.
What is the federal tax bracket for $75k in 2026?
22% marginal (single, above $47k). Effective ~11% after standard deduction.
How much state tax do I pay?
Varies 0% (TX, FL, NV, etc.) to 13.3% (CA). See state tax calculators.
What is FICA?
Federal Insurance Contributions Act. 6.2% Social Security (up to $168,600 cap in 2026) + 1.45% Medicare (no cap) = 7.65% from employee.
Hourly to salary conversion?
$X/hr × 2,080 hrs/yr = annual equivalent at full time (40hrs × 52 weeks).
How to negotiate salary?
Research range (BLS, Glassdoor, levels.fyi), anchor 10-15% above target, never name first, negotiate total comp.
Does a raise push me into higher tax?
Only income in higher bracket is taxed higher. Take-home always increases with raise. Common myth.
What is cost-of-living adjustment?
Regional wage differential reflecting local prices. BEA RPP shows 19% range between highest (DC at 118) and lowest (MS at 86).
Remote work salary adjustment?
Companies increasingly use location-based comp. Moving from SF to low-COL can trigger 10-20% pay cut.
Salary vs equity valuation?
Early-stage equity: discount heavily (50-80% haircut). Public company RSUs: value at current price. Options: Black-Scholes or simplified (strike vs FMV).
What is a reasonable raise?
Cost of living 3-4%. Merit 3-7%. Promotion 10-20%. Job change 15-30% typical.
Should I ask for a raise?
Yes annually at review if performing. Document achievements. Benchmark market. Ask specifically (e.g., 8% to reach $95k).
What is exempt vs non-exempt?
Exempt: salaried, no overtime, no time tracking. Non-exempt: hourly, overtime at 1.5× over 40 hrs. FLSA rules.
How is overtime calculated?
1.5× regular rate for hours over 40/week. Federal FLSA minimum. Some states (CA) require daily OT over 8 hrs.
Are bonuses taxed differently?
Supplemental withholding at 22% federal flat rate (above $1M: 37%). Same total tax at year-end but over-withholds often.
Real Examples (7 scenarios)▾

$95k in California

Gross
$95,000
State
CA
401k
$8,000

Result: Net ~$62,800/yr ($5,233/mo)

Fed ~$11k, CA ~$5k, FICA ~$7.3k, 401k $8k. Effective ~34% withholding.

$95k in Texas

Gross
$95,000
State
TX
401k
$8,000

Result: Net ~$67,800/yr ($5,650/mo)

No state tax saves ~$5k/yr vs CA. Same fed + FICA + 401k.

Hourly to salary

Rate
$32/hr
Hours
40/wk
Weeks
52

Result: $66,560 gross annual

Full-time baseline. Exclude unpaid PTO if applicable.

Salary negotiation

Offer
$90k
Market
$95-105k (levels.fyi)
Anchor
$110k

Result: Counter at $105k base + $10k signing

Anchor high, negotiate specifics. Often land $100k+ and $5-10k signing.

Pay raise impact

Current
$75k
Raise
8%
New
$81k

Result: Take-home +$310/mo

Raise taxed at marginal (22% + state + FICA ~35%). 65% reaches paycheck.

Remote move COL adjustment

SF Salary
$165k
Austin Comp
$145k (12% cut)
SF COL Index
180
Austin
108

Result: Austin purchasing power $242k equivalent

COL adjustment more than offsets nominal cut. Real income rises substantially.

Bonus withholding

Base
$95k
Bonus
$15k

Result: Fed withheld $3,300 (22%) · actual tax $3,300-4,000

Flat 22% supplemental. High earners (32%+ marginal) owe more at year-end; low earners (12%) over-withhold.

Sources (8 primary citations)▾
  1. [1]BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages
  2. [2]U.S. Department of Labor — State Minimum Wage Laws
  3. [3]Internal Revenue Service — federal individual income tax brackets and standard deductions
  4. [4]State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below)
  5. [5]U.S. Census Bureau — American Community Survey (ACS) 5-year estimates
  6. [6]Bureau of Economic Analysis — Regional Price Parities by State
  7. [7]Census CPS / IPUMS — household income percentiles by state (via DQYDJ)
  8. [8]FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state

All data points cited to primary U.S. government, regulatory, and industry sources. Methodology published at /about/editorial.

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Written and maintained by Jere Salmisto, Founder, CalcFi. Updated May 19, 2026.

Formulas and data sourced from BLS OEWS, DOL State Minimum Wage, IRS, state DORs, BEA RPP. Methodology at /about/editorial. Published by CalcFi Editorial.