Salary Calculator: Take-Home Pay & Hourly ↔ Yearly
Enter what you earn — per hour, week, month, or year — and see your estimated take-home pay after tax, plus your pay converted to every pay period. Country presets for the US, UK, Canada, Australia, and India with current national tax rules.
Estimate uses 2026 federal brackets + FICA. Seven states have no income tax (enter 0). Typical flat estimates: CA ~6–9%, NY ~5–6%, TX/FL/WA 0. Excludes 401(k), health premiums, and local taxes.
Your estimated take-home pay is $5,133/month ($61,593/year) from a gross of $75,000/year. Total deductions come to $13,408 — an effective rate of 17.9%.
Where your pay goes (per year)
■ you keep 82.1% ■ deductions 17.9%
| Period | Gross | Take-home |
|---|---|---|
| Yearly | $75,000 | $61,593 |
| Monthly | $6,250 | $5,133 |
| Semi-monthly (24 payslips) | $3,125 | $2,566 |
| Bi-weekly (26 payslips) | $2,885 | $2,369 |
| Weekly | $1,442 | $1,184 |
| Daily | $288 | $237 |
| Hourly | $36.06 | $29.61 |
This is an estimate using national-level rules reviewed in August 2026 — actual payslips depend on your exact tax code, state/province, pension or retirement contributions, benefits, and employer withholding. It is not tax advice. Everything runs in your browser; nothing you type is sent anywhere.
TL;DR
Two conversions answer almost every salary question. Hourly ↔ yearly: multiply an hourly rate by 2,080 (40 hours × 52 weeks) to get the annual figure — $25/hour is $52,000 a year. Gross → net: your take-home is what’s left after income tax and social contributions (Social Security & Medicare in the US, National Insurance in the UK, CPP/EI in Canada, the Medicare levy in Australia, cess in India). For most middle earners in these countries that means keeping roughly 70–85% of gross — the calculator above shows your exact split and converts it to every pay period.
Hourly rate → yearly salary (40 hrs/week)
The standard full-time year is 2,080 hours — 40 hours a week for 52 weeks. That single number makes hourly-to-salary conversion instant, in any currency: the figures below read as dollars, pounds, or any other unit.
| Per hour | Per week | Per month | Per year |
|---|---|---|---|
| 15 | 600 | 2,600 | 31,200 |
| 18 | 720 | 3,120 | 37,440 |
| 20 | 800 | 3,467 | 41,600 |
| 25 | 1,000 | 4,333 | 52,000 |
| 30 | 1,200 | 5,200 | 62,400 |
| 35 | 1,400 | 6,067 | 72,800 |
| 40 | 1,600 | 6,933 | 83,200 |
| 50 | 2,000 | 8,667 | 104,000 |
All figures are gross (before tax). Going the other way: yearly ÷ 2,080 = hourly, so a 70,000 salary is about 33.65 an hour. If you work different hours or take unpaid weeks off, change those inputs in the calculator.
Bi-weekly vs semi-monthly: why the paychecks differ
These two schedules sound identical but pay a different number of times a year — 26 bi-weekly checks vs 24 semi-monthly checks — so the same salary produces a different amount per payslip. Here is a 60,000 salary on every common schedule:
| Schedule | Payslips / year | Gross per payslip (on 60,000) |
|---|---|---|
| Weekly | 52 | 1,153.85 |
| Bi-weekly (every 2 weeks) | 26 | 2,307.69 |
| Semi-monthly (1st & 15th) | 24 | 2,500.00 |
| Monthly | 12 | 5,000.00 |
A useful bi-weekly quirk: two months a year contain threepaydays instead of two — many people treat those two “extra” checks as automatic savings.
What actually comes out of a paycheck, by country
Every country splits deductions into the same two families — income tax (progressive, on your earnings) and social contributions (usually a flat-ish percentage funding pensions and healthcare). What changes is the names and the rates:
| Country | Income tax | Social contributions |
|---|---|---|
| US | Federal 10–37% (2026 brackets) + state (0–13%) | Social Security 6.2% + Medicare 1.45% (“FICA”) |
| UK | PAYE 20/40/45% above the £12,570 allowance | National Insurance 8%, then 2% above £50,270 |
| Canada | Federal 14–33% + provincial (varies widely) | CPP 5.95% + EI 1.63% (both capped) |
| Australia | 0–45% above the $18,200 tax-free threshold | Medicare levy 2% (super is employer-paid on top) |
| India | New regime 0–30% slabs; zero tax up to ₹12L taxable | 4% health & education cess on the tax (+ EPF if applicable) |
Rates shown are the headline employee-side figures reviewed in August 2026 and simplified for comparison — the calculator applies the full progressive bands, caps, and thresholds for each country.
Effective vs marginal rate: why “being in the 22% bracket” doesn’t mean paying 22%
Income tax is charged in slices: the first slice of your income is taxed at the lowest rate, the next slice at the next rate, and so on. Only the money inside a bracket pays that bracket’s rate. Your marginal rate is the tax on your next unit of income; your effective rate is your total tax divided by your total income — always lower.
Example: a single US filer on $75,000 in 2026 sits in the 22% federal bracket, but after the $16,100 standard deduction their federal tax is about $8,200 — an effective federal rate near 11%, not 22%. This is also why a raise can never leave you with less take-home pay from income tax alone: only the raise itself is taxed at the higher rate. The calculator reports your effective rate so you can see the honest all-in percentage.
What this estimate does not include
This tool models the mandatory national deductions — income tax and social contributions. Real payslips often subtract more: retirement contributions you chose (401(k), workplace pension, superannuation salary-sacrifice, EPF), health insurance premiums, student-loan repayments (UK plans, HELP/HECS in Australia, US federal loans), union dues, and local or city taxes. Most of those are personal choices or personal circumstances, which is exactly why no calculator can promise your payslip to the cent. Use the result as a reliable ceiling for your take-home, then subtract your own voluntary deductions — and remember that pre-tax retirement contributions reduce your taxable income, so they cost you less in take-home than their face value.
Frequently asked questions
How much is $70,000 a year per hour?
About $33.65 an hour before tax, assuming a standard 40-hour week for 52 weeks (2,080 hours). The quick rule: divide any annual salary by 2,080 — or divide by 2 and knock off three zeros for a rough answer ($70k → ~$35/hr). If you work 37.5-hour weeks, common in the UK and Canada, divide by 1,950 instead.
How much of my salary goes to taxes?
For middle incomes in the US, UK, Canada, and Australia the all-in effective rate — income tax plus social contributions — typically lands between 15% and 30%, so you keep roughly 70–85% of gross. In India’s new regime, salaried income up to ₹12.75 lakh pays zero income tax, so many earners keep everything. High earners pay more because the top slices of income hit higher marginal brackets.
What is the difference between gross pay and net (take-home) pay?
Gross pay is the salary in your contract — the number in a job offer. Net pay, or take-home pay, is what actually lands in your bank account after income tax, social contributions, and any other deductions. Job offers, salary surveys, and loan applications almost always talk in gross; budgets should always be built on net.
Why do bi-weekly and semi-monthly paychecks differ for the same salary?
Bi-weekly means every two weeks — 26 payments a year. Semi-monthly means twice a month — 24 payments a year. Divide the same salary by 26 vs 24 and the semi-monthly check is about 8% larger, but you get two fewer of them. Over a full year both pay exactly the same total, and bi-weekly earners get two months with a third “bonus” check.
Does the calculator account for 401(k), pension, or superannuation contributions?
No — those are voluntary or employer-specific, so the tool shows take-home before them. Note the direction of the effect: pre-tax contributions (traditional 401(k), UK net-pay pension schemes, salary-sacrificed super) reduce your taxable income, so a $500 contribution costs you less than $500 in take-home. Australian employer super (12% from July 2025) is paid on top of the salary figures shown, not out of them — unless your package is quoted “including super”.
How accurate are these 2026 tax figures?
The engines use the official national rules as reviewed in August 2026: US 2026 federal brackets, standard deductions, and the $184,500 Social Security wage base; UK 2026/27 frozen thresholds (£12,570 allowance, 8%/2% NI, £125,140 additional-rate threshold); Australia’s 2026–27 resident rates with the newly reduced 15% bracket; Canada’s 2026 federal brackets, $16,452 basic personal amount, and 2026 CPP/EI limits; and India’s Budget 2025 new-regime slabs, unchanged for FY 2026–27. State and provincial taxes are flat estimates you can edit. Governments tweak thresholds annually, and personal circumstances (tax codes, credits, benefits) shift the result — treat it as a close estimate, not a payslip.
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