See your pay every way it is measured.
Enter any pay quote, annual, monthly, every two weeks, weekly or hourly, and see it broken down across every pay period at once, plus a rough take-home estimate after taxes. The fastest way to compare two job offers that are quoted differently.
Your pay
What this means
Gross vs take-home, by period
The same earnings, sliced every way
Pay at a glance
Full pay-period breakdown
Gross is before taxes. Net applies your estimated tax rate of 22% and is a rough figure only.
| Pay period | Pay checks / yr | Gross pay | Net pay |
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Salary and take-home pay, explained
How to Calculate Your Take-Home Pay
Your take-home pay is your gross salary minus all mandatory deductions, including federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%). For someone earning $65,000 annually, these deductions typically reduce take-home pay by 25-35%, depending on filing status and state. Understanding the gap between gross and net pay is essential for realistic budgeting and financial planning.
Annual Salary vs Hourly Wage
To convert an hourly wage to an annual salary, multiply the hourly rate by hours worked per week, then multiply by 52 weeks. A $25/hour wage at 40 hours per week equals $52,000 annually. Salaried employees typically receive consistent paychecks regardless of hours worked, while hourly workers may earn overtime pay at 1.5 times their regular rate for hours exceeding 40 per week under federal law.
Understanding Payroll Deductions
Payroll deductions fall into two categories: mandatory and voluntary. Mandatory deductions include federal and state income taxes, Social Security, and Medicare. Voluntary deductions may include 401(k) contributions, health insurance premiums, life insurance, and flexible spending accounts. Pre-tax deductions like 401(k) contributions and HSA deposits reduce your taxable income, effectively costing less than their face value.
Salary Comparison by State
The same gross salary can produce very different take-home amounts depending on where you live. States like Texas, Florida, and Washington have no state income tax, while California and New York impose rates exceeding 10% on higher earners. When evaluating a job offer in a new state, consider both the tax impact and the local cost of living to determine whether the salary represents a genuine financial improvement.
Common questions
How do I convert an hourly wage to an annual salary?
Multiply your hourly rate by the number of hours you work per week, then multiply by 52 weeks. For example, $25/hr x 40 hours x 52 weeks = $52,000 per year.
What deductions come out of my paycheck?
Common deductions include federal income tax, state income tax, Social Security (6.2%), Medicare (1.45%), and any employer-sponsored benefits like health insurance or 401(k) contributions.
What is the difference between gross and net pay?
Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what you actually receive after federal tax, state tax, Social Security, Medicare, and other deductions.
Estimates only. The take-home figure applies a single flat tax rate and is not a substitute for a real paycheck calculation. Your actual net pay depends on filing status, pre-tax deductions like 401(k) and health insurance, exemptions, and the progressive federal brackets. A daily figure assumes a 5-day work week.