Gross vs net
Your real hourly pay is lower than your wage
A $28/hour job at 40 hours a week is $58,240 gross a year — but a single filer keeps closer to $48,000 after federal income tax and FICA. That works out to an after-tax rate of about $23/hour. Knowing the net number is what lets you compare jobs and plan a budget honestly.
How the conversion works
Gross annual pay = hourly rate × hours per week × weeks worked. From there we apply 2026 federal brackets (after the standard deduction) and FICA — 6.2% Social Security up to the $184,500 wage base plus 1.45% Medicare — to find net. Adjusting weeks lets part-year and seasonal workers get an accurate figure.
| Hourly wage (40 hrs) | Annual gross | Approx. net (single) |
|---|---|---|
| $18/hr | $37,440 | ~$32,400 |
| $25/hr | $52,000 | ~$43,600 |
| $35/hr | $72,800 | ~$58,400 |
| $50/hr | $104,000 | ~$80,500 |
Single filer, 2026 federal data, no state tax. Your figure depends on filing status, state and pre-tax benefits.
Related conversions
Need the reverse? The salary-to-hourly calculator turns a yearly salary into an equivalent wage, and hourly-to-salary gives the gross annual figure without the tax step.
Questions
Hourly to Annual After-Tax Calculator FAQ
How do I convert my hourly wage to annual take-home pay?
Multiply your hourly rate by hours per week and weeks worked to get gross annual pay, then subtract federal income tax and FICA. This calculator does it automatically — for example, $28/hour at 40 hours nets a single filer roughly $48,000 a year.
What is my real hourly pay after tax?
Take your annual net pay and divide by the hours you work in a year. A $28 gross wage often translates to about $23/hour after federal tax and FICA for a single filer — the calculator shows your exact net hourly rate.
Does this include state income tax?
No, it covers federal income tax and FICA only. In a state with income tax your net would be a little lower; in a no-income-tax state these figures are complete. Use the take-home-pay-by-state calculator for a state-specific result.
How do fewer working weeks change the result?
Set the weeks-per-year field below 52 for part-year, seasonal or unpaid-leave situations. Gross pay drops proportionally, and because tax is progressive, the effective tax rate falls slightly too.
- Sources: IRS Rev. Proc. 2025-32 (2026 brackets & standard deduction) · SSA 2026 OASDI wage base $184,500 · standard 2,080-hour full-time year.
- 🔄 Last updated June 25, 2026 · Tax year 2026
← Back to the full salary calculator · Related: Hourly to salary · Salary to hourly · By state