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Hourly Paycheck Calculator

FinanceSalary and Wages
Wage and hours
Overtime pay
Pay schedule and deductions

Your effective share of gross pay, e.g. from a recent pay stub.

0% in states with no wage income tax, such as Texas or Florida.

Take-home pay per paycheck —
Gross pay per paycheck
—
FICA per paycheck
—
Income tax withheld per paycheck
—
Annual gross pay
—
Annual take-home pay
—
Paid
—
Where each paycheck goes
The chart appears with your result

Multiply your hourly wage by weekly hours (overtime at 1.5×), scale to a year with 52 weeks, then divide by the number of paychecks. At $20 an hour for 40 hours paid weekly, gross pay is $800; FICA takes 7.65%, or $61.20, leaving $738.80 before any income tax withholding.

About this tool

Hourly workers rarely see a salary figure on an offer letter, only a wage, so the number that matters for rent and bills is the amount that lands each payday. This calculator builds that figure from the ground up: regular hours, overtime at time and a half or double time, your pay schedule, the fixed 7.65% employee FICA share, and the federal and state withholding percentages you set. It shows gross and net pay per check, annual totals, the working line by line, and a donut chart of how each check is split. One limit: income tax is applied as flat percentages of gross, not through the IRS withholding tables, so pre-tax 401(k) or health deductions, W-4 credits and bracket effects are not modelled. Read the percentages off a recent pay stub for the closest match.

How to use it

  1. Enter the wage and hours

    Type your hourly wage, regular weekly hours and any weekly overtime hours, then pick time and a half or double time.

  2. Choose the pay schedule

    Select weekly, every two weeks, twice a month or monthly; the annual pay is divided by 52, 26, 24 or 12 checks.

  3. Set the deductions

    Leave the FICA box ticked for most employees, and move the federal and state sliders to the shares withheld on your stub.

  4. Read the check

    Take-home pay per check leads the results, with gross pay, each deduction, yearly totals and the chart beside it.

Examples

$20 an hour, 40 hours, paid weekly

Hourly wage
20
Regular hours per week
40
Overtime hours per week
0
Overtime pay
Time and a half (1.5×)
Pay frequency
Weekly (52)
Deduct FICA (Social Security 6.2% + Medicare 1.45%)
Yes
Federal income tax withheld
0
State and local income tax withheld
0

Result Take-home pay per paycheck: $738.80
Gross pay per paycheck: $800.00
FICA per paycheck: $61.20
Income tax withheld per paycheck: $0.00
Annual gross pay: $41,600.00
Annual take-home pay: $38,417.60
Paid: weekly

  1. Weekly regular pay = $20 × 40 h = $800.00
  2. Weekly overtime pay = $20 × 1.5 × 0 h = $0.00
  3. Annual gross = $800.00 × 52 weeks = $41600.00
  4. Gross per paycheck = $41600.00 ÷ 52 paychecks = $800.00
  5. FICA = $800.00 × 7.65% (6.2% Social Security + 1.45% Medicare) = $61.20
  6. Income tax withheld = $800.00 × (0% + 0%) = $0.00

Only FICA is taken here: $49.60 for Social Security and $11.60 for Medicare out of an $800 check.

$25 an hour with 5 overtime hours, biweekly

Hourly wage
25
Regular hours per week
40
Overtime hours per week
5
Overtime pay
Time and a half (1.5×)
Pay frequency
Every two weeks (26)
Deduct FICA (Social Security 6.2% + Medicare 1.45%)
Yes
Federal income tax withheld
10
State and local income tax withheld
5

Result Take-home pay per paycheck: $1,837.06
Gross pay per paycheck: $2,375.00
FICA per paycheck: $181.69
Income tax withheld per paycheck: $356.25
Annual gross pay: $61,750.00
Annual take-home pay: $47,763.63
Paid: every two weeks

  1. Weekly regular pay = $25 × 40 h = $1000.00
  2. Weekly overtime pay = $25 × 1.5 × 5 h = $187.50
  3. Annual gross = $1187.50 × 52 weeks = $61750.00
  4. Gross per paycheck = $61750.00 ÷ 26 paychecks = $2375.00
  5. FICA = $2375.00 × 7.65% (6.2% Social Security + 1.45% Medicare) = $181.69
  6. Income tax withheld = $2375.00 × (10% + 5%) = $356.25

Five overtime hours at $37.50 add $187.50 a week, so the weekly gross is $1,187.50 and each two-week check is $2,375 before deductions.

$18 an hour paid monthly, FICA off

Hourly wage
18
Regular hours per week
40
Overtime hours per week
0
Overtime pay
Time and a half (1.5×)
Pay frequency
Monthly (12)
Deduct FICA (Social Security 6.2% + Medicare 1.45%)
No
Federal income tax withheld
12
State and local income tax withheld
0

Result Take-home pay per paycheck: $2,745.60
Gross pay per paycheck: $3,120.00
FICA per paycheck: $0.00
Income tax withheld per paycheck: $374.40
Annual gross pay: $37,440.00
Annual take-home pay: $32,947.20
Paid: monthly

  1. Weekly regular pay = $18 × 40 h = $720.00
  2. Weekly overtime pay = $18 × 1.5 × 0 h = $0.00
  3. Annual gross = $720.00 × 52 weeks = $37440.00
  4. Gross per paycheck = $37440.00 ÷ 12 paychecks = $3120.00
  5. Income tax withheld = $3120.00 × (12% + 0%) = $374.40
  6. Net pay = gross − deductions = $2745.60

52 weeks of $720 is $37,440 a year, or $3,120 a month; 12% federal withholding leaves $2,745.60.

How it is calculated

Net = (W × (H + O × m) × 52 ÷ N) × (1 − f − s − 0.0765)

W
hourly wage
H, O
regular and overtime hours per week
m
overtime multiplier, 1.5 or 2
N
paychecks per year: 52, 26, 24 or 12
f, s
federal and state withholding as fractions of gross

Weekly gross is converted to a yearly figure with 52 weeks so that semimonthly and monthly checks come out even; a month is not exactly four weeks. FICA is 6.2% for Social Security plus 1.45% for Medicare, the employee shares set out by the IRS. The FICA term drops out when the box is unticked. Income tax withholding is treated as a flat share of gross pay.

Sources

When not to use it

  • Exact federal withholding for a given W-4 needs the IRS percentage-method tables, not a flat share.
  • Tipped, piece-rate or commission pay does not fit a single hourly wage.
  • Pay above the Social Security wage base is not capped here within a year.

Common mistakes

  • Putting hours above 40 in the regular field, which pays them at the base wage.
  • Assuming a monthly check equals four weekly checks; a year has 52 weeks, not 48.
  • Using the top tax bracket as the federal share instead of the effective share on your stub.
  • Forgetting that pre-tax 401(k) and health premiums lower the taxable amount.

Frequently asked questions

How much is a $20 an hour paycheck after FICA?

For 40 hours paid weekly, gross pay is $800. Social Security takes 6.2% ($49.60) and Medicare 1.45% ($11.60), so $738.80 remains before federal and state income tax withholding. Every-two-weeks pay doubles both figures.

Why is my semimonthly check smaller than two weekly checks?

Twice-a-month pay gives 24 checks a year while biweekly pay gives 26. The same annual pay is split into fewer pieces with 24 checks, so each is larger than a biweekly check but smaller than two weekly checks combined over a long month.

Is overtime always time and a half?

Under the federal Fair Labor Standards Act, non-exempt employees earn at least 1.5 times their regular wage for hours above 40 in a workweek. Some employers, union contracts and states such as California pay double time in certain cases, which is why the multiplier can be switched to 2.

What federal withholding percentage should I enter?

Divide the federal income tax line on a recent pay stub by the gross pay on the same stub. Many single filers earning $40,000 to $60,000 see roughly 6% to 10%, but your W-4 entries, credits and filing status change it.

Who does not pay FICA?

Some state and local government employees covered by a separate pension plan, certain students working for their college, and some nonresident visa holders are exempt. Untick the FICA box in those cases.

Does overtime get taxed more?

Overtime is ordinary wages, so it is taxed at the same rates. A larger check can show higher withholding because the payroll system annualises that one check as if every check were that large; the difference evens out when you file.

Cite this tool

Using this tool in an assignment, article or report? Copy a citation, or a link for your website.

APA

Tools Directory Editorial Team. (2026, October 18). Hourly Paycheck Calculator. Tools Directory. Retrieved October 28, 2026, from https://tools.milunir.com/finance/salary-and-wages/hourly-paycheck-calculator/

MLA

Tools Directory Editorial Team. “Hourly Paycheck Calculator.” Tools Directory, 18 Oct. 2026, https://tools.milunir.com/finance/salary-and-wages/hourly-paycheck-calculator/. Accessed 28 Oct. 2026.

Chicago

Tools Directory Editorial Team. “Hourly Paycheck Calculator.” Tools Directory. Last modified October 18, 2026. Accessed October 28, 2026. https://tools.milunir.com/finance/salary-and-wages/hourly-paycheck-calculator/.

Link<a href="https://tools.milunir.com/finance/salary-and-wages/hourly-paycheck-calculator/">Hourly Paycheck Calculator – Tools Directory</a>