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Salary Calculator

Convert salary across pay periods and estimate accurate take-home pay with taxes and deductions.

Updated

What is the Salary Calculator?

Quickly convert salaries between pay periods and estimate your true take-home pay.

Whether you're negotiating a job offer, planning your budget, or comparing compensation packages, this salary calculator gives you instant clarity.

Features:

  • Full pay frequency conversion (hourly ↔ annual and everything in between)
  • Realistic take-home pay estimates including federal, FICA, state taxes, and pre-tax deductions
  • Reverse calculation: discover the gross salary needed for your target net income
  • Clean, mobile-friendly interface with live updates

Better than basic converters — more comprehensive than most paycheck estimators — and 100% private.

How it works

Pay Frequency Converter

Enter your annual salary (or any period) and hours per week. The tool instantly calculates equivalent pay rates across all common frequencies using standard assumptions (40 hours/week, 52 weeks/year).

Take-Home Pay Estimator

  1. Enter gross annual salary
  2. Select filing status (Single or Married Filing Jointly)
  3. Add estimated annual pre-tax deductions (retirement, health insurance, etc.)
  4. Provide your approximate state tax rate
  5. See a full breakdown: federal income tax, FICA (Social Security + Medicare), state tax, and final net pay

Required Gross Calculator

Working backwards — tell us your desired net annual income and we estimate the gross salary you need before taxes and deductions.

Important notes:

  • Calculations use simplified 2026 federal tax brackets and standard deductions.
  • Results are estimates only. Actual taxes depend on your full financial situation, location, and specific withholdings. Always consult a tax professional for precise figures.

Examples

Software Engineer Salary Conversion

Convert an $95,000 annual salary to all pay frequencies.

Annual Salary: $95,000 | Hours per week: 40
 
Hourly: $45.67 | Monthly: $7,917 | Bi-weekly: $3,654

Take-Home Pay Estimation

Estimate net pay for a $85,000 salary with standard deductions.

Gross Annual: $85,000 | Filing: Single | State Tax: 5% | Pre-tax: $6,000
 
Net Annual: ~$62,800 | Net Monthly: ~$5,233 | Effective Hourly: ~$30.19

Frequently asked questions

What is the difference between gross and net pay?

Gross pay is your total earnings before any taxes or deductions. Net pay (take-home pay) is what you actually receive after federal, state, FICA, and other deductions.

How accurate is the take-home pay calculation?

Our calculator uses current federal tax brackets, FICA rates, and approximate standard deductions. It provides a solid estimate but cannot account for every personal deduction, credit, or local tax. Treat results as guidance and verify with official tools or a tax advisor.

Does this salary calculator include state taxes?

Yes. You can input your estimated state tax rate (or 0% if your state has no income tax). The tool applies it to your gross salary for a realistic net pay view.

Can I use this to compare job offers?

Absolutely. Use the converter to normalize different pay frequencies and the take-home estimator to see real spending power after taxes. Many users compare multiple offers side-by-side with this tool.

What are common pre-tax deductions?

Typical pre-tax deductions include 401(k) contributions, traditional IRA, HSA/FSA, health insurance premiums, and commuter benefits. Adding these reduces your taxable income and increases your net pay.

How is hourly rate calculated from annual salary?

We divide your annual salary by (hours per week × 52 weeks). You can adjust hours per week for part-time or non-standard schedules.

Why are there three modes (Take-Home, Converter, Required Gross)?

Each mode solves a different common question:

  • Take-Home: "What will I actually keep?"
  • Converter: "What is this salary in hourly/daily/monthly terms?"
  • Required Gross: "How much do I need to earn to take home X?"

Is this calculator free and private?

Yes — completely free, runs entirely in your browser, and no data is stored or sent to any server.

How often is the tax data updated?

Federal brackets and FICA rates are based on the latest available 2026 information. We update the tool regularly to stay current.

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