Convert salary or hourly pay across frequencies and estimate 2025/2026 US federal, payroll, optional state/local tax, 401(k), and take-home pay.
Choose your path
Convert gross pay into a transparent take-home estimate across pay frequencies without hiding federal/payroll-tax assumptions or confusing an estimate with withholding or a return.
Compare two gross offers on the same pay and tax basis.
Set salary, frequency, filing assumptions, and pre-tax deductions; inspect gross, taxes, and net pay.
Can compare like-for-like scenarios and identify every omitted benefit, tax, and deduction.
Normalize pay into annual and per-paycheck amounts.
Choose the correct frequency, verify annualization, and review per-period versus annual totals.
Does not confuse pay periods, work hours, or overtime assumptions.
Estimate cash flow from a phone with current-year sources visible.
Load an example, adjust one assumption, inspect take-home breakdown and scope, then export/copy.
Completes the task with named 44px controls and treats the result as planning rather than payroll advice.
This tool is part of these guided projects. Each project provides step-by-step instructions with checklists and all the tools you need in one place.
Tools you might need next
Estimate US federal income tax for 2025–2026. See federal tax owed, effective and marginal rates, and after-tax income by filing status.
Allocate exactly 100% of monthly income, compare non-negative actual spending, expose fixed-dollar extras, and review transparent balances and planning ratios.
Convert hourly and annual pay in both directions, model overtime, and estimate 2025 or 2026 US take-home pay with explicit tax and deduction assumptions.
Annual salary is divided into 12 monthly, 26 biweekly, 52 weekly, 260 workday, and 2,080-hour equivalents. Hourly mode multiplies the entered rate by work hours and work weeks, with separately stated overtime assumptions.
Annual hourly pay = (Regular weekly pay + Overtime weekly pay) × Work weeksFederal regular income tax uses the selected year's standard deduction and progressive brackets. Employee Social Security is capped at that year's wage base; Medicare applies to wages and the additional 0.9% is included above the filing-status threshold.
Net = Gross − Federal − Social Security − Medicare − State/local estimate − 401(k)The state/local field is a user-entered effective percentage of gross pay, not a state tax table. The result is not paycheck withholding or a tax return and omits credits, itemized deductions, benefits, other income, and special wage treatment.
State/local estimate = Gross pay × User-entered effective rateUpdated: August 2026
A single filer compares gross and simplified federal/payroll take-home with no state/local estimate or 401(k) contribution.
→ Modeled federal tax: $7,670; employee payroll taxes: $5,737.50; net: $61,592.50 before omitted items
Evaluating two job offers after accounting for different tax implications and benefit deductions.
→ Compare total compensation, not just gross salary
A worker enters hourly rate, regular hours, work weeks, weekly overtime, and overtime multiplier to avoid treating a 52-week salary equivalent as guaranteed paid time.
Progressive tax brackets apply incrementally. Earning $75K doesn't mean all income is taxed at 22%. Use effective rate or bracket-by-bracket calculation.
Actual withholding and liability depend on W-4 choices, other income, benefits, credits, deductions, local rules, and employer payroll. Use the estimate for like-for-like planning and verify consequential decisions.
Compare gross salary and hourly offers on the same time basis, then build a transparent US take-home planning estimate. Choose 2025 or 2026, filing status, an optional state/local effective rate, and a 401(k) percentage; blank or invalid pay is never replaced with an example behind the scenes.