EVERY PAYCHECK DECISION · WITH THE MATH SHOWN

Know Your Exact Paycheck

Take-home pay, hourly conversions, and every withholding — calculated. Federal + state tax, FICA, and deductions all handled. Every formula cited to IRS Publication 15-T and SSA 2026 contribution limits.

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Updated April 21, 2026 · IRS Pub 15-T · SSA 2026
  • Paycheck Calculator

    Most popular

    Take-home pay by state — federal + state withholding, FICA, pre-tax deductions.

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  • Take-Home Pay Calculator

    What hits your bank account after every withholding — weekly, biweekly, monthly.

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  • Hourly to Salary

    Convert hourly wage to annual salary with weekly and monthly breakdowns.

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  • Tax Withholding Calculator

    Tune your W-4 so you neither owe a big bill nor float the IRS a tax-free loan.

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  • Take-home & Paycheck
  • Hourly ↔ Salary Conversions
  • Withholding & W-4
  • Overtime
  • Tips & Service Pay
  • First Paycheck / New Hire

Your paycheck doesn't match your salary — and it never did. Federal withholding, state tax, Social Security (6.2% on the first $176,100 in 2026), Medicare (1.45% on all wages, 2.35% above $200k), 401(k) contributions, health insurance premiums, and any pre-tax deductions all come out before the number you actually see. Every calculator here uses the current IRS withholding tables (Pub 15-T) and the Social Security Administration's 2026 contribution limits. We don't estimate — we cite.

Take-home & Paycheck

4

What actually hits your bank account after federal tax, state tax, and FICA. Formulas from IRS Publication 15-T, 2026 brackets.

  • Paycheck Calculator

    Most popular

    Take-home pay by state — federal + state withholding, FICA, pre-tax deductions.

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  • Salary After Tax Calculator

    Annual take-home pay after all federal and state taxes.

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  • Take-Home Pay Calculator

    What hits your bank account after every withholding — weekly, biweekly, monthly.

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  • Salary Calculator

    Your real take-home pay on any annual salary, any state, 2026 brackets.

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Hourly ↔ Salary Conversions

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Convert between hourly and annual — the right way. Real working hours, PTO, holidays, overtime, and shift differentials all change the math.

  • Hourly to Salary

    Convert hourly wage to annual salary with weekly and monthly breakdowns.

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  • Salary to Hourly

    Your annual salary as an hourly rate, accounting for real working hours.

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  • Annual to Hourly Converter

    Annual compensation as a true hourly rate — PTO, holidays, and unpaid time baked in.

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  • Hourly to Salary Converter

    In-depth hourly → annual with overtime, shift differentials, and holiday pay.

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Withholding & W-4

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Your W-4 controls how much federal tax comes out each check. IRS Publication 15-T is the withholding table; Form W-4 is the dial.

  • Payroll Withholding Calculator

    Federal income tax + FICA withheld each pay period — IRS Pub 15-T tables.

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  • Tax Withholding Calculator

    Tune your W-4 so you neither owe a big bill nor float the IRS a tax-free loan.

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Overtime

3

FLSA overtime rules for 1.5x and 2x, state variations, and exactly when double-time kicks in.

  • Overtime Pay Calculator

    1.5x and 2x overtime earnings by hourly rate, hours, and pay period.

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  • Time and a Half Calculator

    Time-and-a-half overtime rate from your regular hourly wage.

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  • Double Time Calculator

    Double-time pay for overtime hours — and when it applies in your state.

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Tips & Service Pay

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Tip share, tip-out, and effective hourly rate when part of your pay comes from tips.

  • Tip Calculator

    Tip share, tip-out math, and effective hourly rate for service roles.

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First Paycheck / New Hire

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New-hire paycheck anatomy — decoding every code, deduction, and allocation on your first stub.

  • First Paycheck Decoder

    Line-by-line breakdown of your first pay stub — what every code means.

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Written and maintained by Jere Salmisto, Founder, CalcFi. Updated April 21, 2026.

Formulas cited to IRS Publications 15 + 15-T (tax withholding), Form W-4 instructions, SSA 2026 contribution limits, FLSA overtime rules, and state revenue departments. Methodology at /about/editorial. Published by CalcFi Editorial.