Hourly pay & taxes
How an hourly wage becomes your net paycheck in 2026
If you are paid by the hour, your paycheck depends on three things: your rate, the hours you actually work, and the taxes withheld. This calculator turns those into the number that lands in your bank account by annualizing your hourly pay and applying the same federal rules a salaried worker faces.
From hourly rate to annual gross
The first step is annualizing: your hourly rate times hours per week times weeks per year. A full-time year is 2,080 hours (40 × 52), so $25 an hour full-time is $52,000 gross. Part-time or seasonal work uses fewer weeks, which is why the weeks field matters.
| Hourly rate | Full-time gross | Approx. net (single, no state tax) |
|---|---|---|
| $15.00 | $31,200 | ~$27,300 |
| $20.00 | $41,600 | ~$35,400 |
| $25.00 | $52,000 | ~$43,300 |
| $35.00 | $72,800 | ~$58,400 |
Approximate single-filer net after federal tax and FICA, no state tax. Your figure depends on filing status, deductions and state.
The taxes that come out
Every hourly paycheck loses federal income tax (calculated on income after the 2026 standard deduction of $16,100 for single filers), plus FICA: 6.2% Social Security and 1.45% Medicare. The calculator applies all three automatically. State income tax, where it exists, is extra — open your state page to add it.
Related tools
Working overtime? Use the overtime pay calculator or the double-time pay calculator first. Want the annual figure? Try hourly to salary, or the full paycheck calculator.
Questions
Hourly paycheck calculator FAQ
How do I calculate my hourly paycheck after taxes?
Multiply your hourly rate by hours worked per week and by weeks per year to get gross annual pay, then subtract federal income tax (after the standard deduction), Social Security (6.2%) and Medicare (1.45%). Divide the annual net by your number of pay periods to get each paycheck. This calculator does it all using the 2026 IRS brackets.
What is the net pay on $20 an hour?
At $20 an hour for 40 hours a week, gross pay is about $41,600 a year. After federal income tax and FICA, a single filer in a no-income-tax state takes home roughly $35,000 to $36,000 a year, or about $1,350 every two weeks. State income tax, where it applies, lowers this further.
How many hours are in a full-time work year?
A standard full-time year is 2,080 hours — 40 hours a week times 52 weeks. That figure is the basis for converting an hourly wage to an annual salary: rate times 2,080 equals full-time annual gross pay before taxes.
Does this hourly paycheck calculator include overtime?
This tool calculates take-home pay from regular hourly wages. If you work overtime, first calculate your gross overtime pay with the overtime pay calculator, then enter your effective average hourly rate or your annualized total here to see the net figure.
- Sources: IRS Rev. Proc. 2025-32 (2026 brackets & standard deduction) · SSA 2026 OASDI wage base ($184,500) · IRS Topic No. 751 (FICA rates).
- 🔄 Last updated June 9, 2026 · Tax year 2026
← Back to the full salary calculator · Related: Overtime pay · Hourly to salary · Paycheck