Hourly Paycheck Calculator

Free hourly paycheck calculator for 2026. Convert hourly wage + overtime to take-home pay after federal, state, and FICA taxes.

Enter Your Pay Details

Your Paycheck Breakdown

Take-Home Pay
$1,620.25
$42,126.47 / year · Effective tax rate 19.0%
  • Gross Pay$2,000.00
  • Federal income tax (Pub 15-T)$156.15
  • State income tax$44.60
  • Social Security (6.2%)$124.00
  • Medicare (1.45%)$29.00
  • CA SDI (1.3%)$26.00
  • Net Pay$1,620.25
  • Federal withholding uses IRS Publication 15-T percentage method (W-4 compatible).
  • FICA: 401(k) reduces federal income tax only; Section 125 benefits reduce FIT and FICA. Social Security is capped at the annual wage base; Additional Medicare Tax applies above the IRS threshold.
  • Estimates use one work/tax state. Multi-state reciprocity and nonresident withholding are not modeled.
  • California state tax uses FTB Schedule X/Y/Z, the CA standard deduction, and Form 540 personal exemption credits ($153 single/HOH; $306 married), with the official AGI limitation phase-out.
  • CA SDI uses the EDD employee rate (1.3% for 2026, no wage cap). Full EDD DE 4 wage-bracket tables are not modeled.
  • State tax uses current state rate tables (estimate). Actual employer withholding tables may differ slightly.

Hourly wage to paycheck

Enter your hourly rate, hours per week, and overtime hours. We estimate biweekly or weekly take-home after taxes so you can plan OT weeks.

Hourly vs salary comparison

Switch to annual frequency to see equivalent salary, or use the hourly-to-salary converter. State choice (especially CA/TX/NY/FL) changes net pay a lot.

Tips for hourly workers

Model a normal week and an OT-heavy week separately. Add 401(k)% in advanced options if your employer offers pre-tax retirement withholding.

Popular state paycheck calculators

Start with the highest-traffic states, then browse all 50.

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Frequently Asked Questions

How do you calculate hourly take-home pay?

We convert your hourly rate and weekly hours (plus overtime at 1.5×) into pay-period wages, then apply federal withholding, state tax, Social Security, and Medicare.

Does overtime change my tax rate?

Overtime increases gross wages for that period, so federal/state withholding and FICA usually rise. Your W-4 settings still drive the federal method.

Hourly in Texas vs California — what’s different?

Texas has no state wage income tax; California withholds progressive state tax. Federal and FICA apply in both. Try each state page for scenario examples.

How is take-home pay calculated?

We estimate employer-style withholding: federal income tax (IRS Pub 15-T / W-4), state income tax when applicable, local tax when ZIP-mapped, Social Security, and Medicare. Pre-tax 401(k) and benefits reduce taxable wages per IRS rules.

What taxes are deducted from my paycheck?

Typical US paychecks withhold federal income tax, state income tax (unless you are in a no-tax state like TX/FL), Social Security (6.2% up to the wage base), Medicare (1.45%), and sometimes local city tax (e.g. NYC).

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Disclaimer: This paycheck calculator provides estimates only and is not tax advice. Actual withholdings may differ based on W-4 settings, local taxes, benefits, and employer policies. Consult a tax professional for personalized guidance. See our methodology for sources (IRS Pub 15-T, FICA, state & local taxes).