Free Hourly Paycheck Calculator
What will your paycheck actually be? Enter your hourly rate and see exactly what hits your bank account.
Filing Status
State
Hourly Rate
Hours per Pay Period
Pay Frequency
Estimates only. Not tax or legal advice. Consult a tax professional for accuracy.
Keep This Calculation Handy
Save your rate, track overtime, and see how raises affect your take-home pay
What Gets Deducted From Your Paycheck?
Your gross pay and take-home pay are never the same. Here's what comes out of every paycheck before you see a dollar:
Federal Income Tax
The U.S. uses progressive tax brackets, meaning higher portions of your income are taxed at higher rates. Your filing status and W-4 allowances determine how much is withheld. If you're unsure how to fill out your W-4 correctly, read our step-by-step W-4 guide.
State Income Tax
Most states levy their own income tax on top of federal. Rates vary widely: California tops out above 13%, while nine states (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) charge no state income tax at all.
FICA: Social Security & Medicare
Every worker pays 6.2% for Social Security (up to the annual wage base) and 1.45% for Medicare. High earners pay an additional 0.9% Medicare surtax on wages above $200,000 (single) or $250,000 (married filing jointly).
Pre-Tax Deductions
Contributions to 401(k), 403(b), HSA, or employer health insurance premiums reduce your taxable income, which lowers the amount withheld for federal and state taxes. See how 401(k) contributions affect your paycheck for a detailed breakdown.
Frequently Asked Questions
Common questions about hourly paycheck calculations
How do I calculate my hourly take-home pay?
Enter your hourly rate, hours worked per pay period, filing status, and state. The calculator subtracts federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%) from your gross pay to show your net take-home pay.
What taxes are deducted from hourly wages?
Federal income tax (based on tax brackets), state income tax (varies by state, some states have none), Social Security tax (6.2% up to the annual limit), and Medicare tax (1.45%, plus 0.9% Additional Medicare Tax on high earners).
Which states have no income tax?
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire only taxes interest and dividend income.
How does overtime affect my paycheck?
Overtime hours (typically over 40 per week) are paid at 1.5x your regular rate under federal law. However, overtime income is taxed at your regular income tax rate—it may seem more heavily taxed because it can push you into a higher tax bracket for that pay period.
What is the difference between gross pay and net pay?
Gross pay is your total earnings before any deductions—your hourly rate multiplied by hours worked. Net pay (take-home pay) is what you actually receive after subtracting federal taxes, state taxes, Social Security, Medicare, and any other deductions.
Why does my paycheck vary from week to week?
For hourly workers, paychecks vary based on hours worked each pay period. Tax withholding can also change if you earn overtime, receive bonuses, or if your employer uses an aggregate method that annualizes your pay.
Need More Than a Quick Calculation?
The full app tracks your full paycheck all year — overtime, bonuses, deductions, and 50-state taxes built in.