Hourly Paycheck Calculator

Knowing what you get paid is easy. Knowing what you'll take home is another matter. This Hourly Paycheck Calculator will help you determine, in advance, just what your take-home pay will be for a given wage and number of hours worked. It takes into account your taxes, health insurance deductions, retirement contributions, overtime worked and other factors to let you know just what your paycheck will be. This calculator has also been updated to use this year's tax withholding schedules, which it automatically applies in figuring your take-home pay.

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Your gross estimated paycheck is $0.00.

*This entry is Required. indicates required.

Filing status and withholding:

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Year to date income:*This entry is Required.Enter an amount between $0.00 and $1,000,000.00

Filing status:*This entry is Required.

Pay period:*This entry is Required.

Number of allowances:*This entry is Required.Enter an amount between 0 and 99

401(k)/403(b) plan withholding:*This entry is Required.Enter an amount between 0% and 80%

Employee paid health insurance:*This entry is Required.Enter an amount between $0.00 and $100,000.00

State & local taxes:*This entry is Required.Enter an amount between 0% and 20%

Other pre-tax deductions:*This entry is Required.Enter an amount between $0.00 and $100,000.00

Post-tax deductions:*This entry is Required.Enter an amount between $0.00 and $100,000.00

Post-tax deductions:*This entry is Required.Enter an amount between 0% and 20%

Post-tax reimbursements:*This entry is Required.Enter an amount between $0.00 and $100,000.00

Wages and hours worked:

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Regular hours worked:*This entry is Required.Enter an amount between 0 and 100

Regular pay per hour:*This entry is Required.Enter an amount between $0.00 and $5,000.00

Overtime hours worked:*This entry is Required.Enter an amount between 0 and 100

Overtime pay per hour:*This entry is Required.Enter an amount between $0.00 and $5,000.00

Other hours worked:*This entry is Required.Enter an amount between 0 and 100

Other pay per hour:*This entry is Required.Enter an amount between $0.00 and $5,000.00

Your net paycheck is estimated at $0.00 Pie Chart: Please view the report to see detailed calculation results in tabular form.

Your net paycheck is estimated at $0.00.

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Definitions

Hours worked

This is the number of hours you will be paid for working at your employer. Each of the 'hours worked' entry fields has its own pay per hour. You can enter regular, overtime and other hours worked.

Pay per hour

This is your pay per hour from your employer. Each of the 'pay per hour' entry fields has its own hours worked. You can enter regular, overtime and other pay per hour.

Pay period

This is how often you are paid. Your selections are: Weekly (52 paychecks per year), Every other week (26 paychecks per year), Twice a month (24 paychecks per year), Monthly (12 paychecks per year), and Annually (one paycheck per year).

Filing status

This is your income tax filing status. The choices are "Single" and "Married." Choose "Married" if you are married or file as "Head of household." Choose "Single" if you file your taxes as a single person or if you are married but file separately.

Gross pay

This is your gross pay, before any deductions, for the pay period. Please enter a dollar amount from $1 to $1,000,000.

Number of allowances

When your Federal income tax withholding is calculated, you are allowed to claim allowances to reduce the amount of the Federal income tax withholding. This calculator allows from 0 to 99 allowances.

401(k)/403(b) plan withholding

This is the percent of your gross income you put into a taxable deferred retirement account such as a 401(k) or 403(b). While increasing your retirement account savings does lower your take home pay, it also lowers your Federal income tax withholding. The impact on your paycheck might be less than you think. While your plan may not have a deferral percentage limit, this calculator limits deferrals to 80% to account for FICA (Social Security and Medicare) taxes. Please note that your 401(k) or 403(b) plan contributions may be limited to less than 80% of your income. Check with your plan administrator for details. For 2019, the maximum contribution for this type of plan is $19,000 per year for individuals under 50 and $25,000 for individuals 50 or older.

Employee paid health insurance

Health insurance premiums deducted from your pay. Do not include any amounts paid directly by your employer. Your health insurance premiums are not subject to FICA or Medicare taxes.

State and local taxes

This is the percentage that will be deducted for state and local taxes. For 2019, we take your gross pay, minus $4,200 per allowance, times this percentage to estimate your state and local taxes. Please note, this calculator can only estimate your state and local tax withholding. The tax rate displayed is an assumption that may or may not be relevant to your situation.

Other pre-tax deductions

Enter any other deductions made with pre-tax income. This amount will not be subject to income taxes, but is taxable in regards to require FICA and Medicare.

Post-tax deductions

Enter any payroll deductions made by your employer that are made with after-tax income.

Post-tax reimbursements

Enter any reimbursements made by your employer that are after-tax.

Year-to-date earnings

Your current year gross earnings that were subject to FICA taxes (Social Security tax and Medicare tax). This total should not include the current payroll period or any income from other sources or employers. We use this amount to determine if you are required to have Social Security tax or additional Medicare tax withheld for the current payroll period. Typically, this is your gross earnings minus employer paid health insurance and any Flexible Spending Account (FSA) contributions. In 2019, year-to-date earnings is not required or used for incomes under $132,900 per year, or if your current year-to-date earnings plus your current payroll does not exceed $132,900.

Social Security tax

For 2019, Social Security tax is calculated as your gross earnings times 6.2%. For 2019, incomes over $132,900 that have already had the maximum Social Security tax of $8,239.80 withheld will not have additional withholding. Please note that if you have other wages or employers this calculator does not make any assumptions as to the total Social Security tax withheld for the current year other than the actual inputs for this calculator. This tax is also referred to as the Federal Insurance Contributions Act Old Age Survivors and Disability Insurance (FICA OASDI).

Medicare tax

Medicare tax is calculated as your gross earnings times 1.45%. Unlike the Social Security tax, there is no annual limit to the Medicare tax. Starting in 2013, an additional Medicare tax of 0.9% is withheld on all gross earnings paid in excess of $200,000 in a calendar year. If you enter an amount for the year-to-date gross earnings, this additional Medicare tax will be calculated based on the current period's gross earnings that exceed the annual $200,000 threshold. If no year-to-date amount is entered, any additional Medicare tax withholding will be calculated only for any gross earnings in excess of $200,000 for the current payroll period. If year-to-date wages prior to the current payroll period have exceeded $200,000, the year-to-date wages must be entered to calculate an accurate additional Medicare tax.

Federal tax withholding calculations

Federal income tax withholding is calculated by:

Multiplying taxable gross wages by the number of pay periods per year to compute your annual wage.
Subtracting the value of Withholding Allowances claimed (for 2019, this is $4,200 multiplied by Withholding Allowances claimed on the employee's W-4: Employee's Withholding Allowance Certificate).
Determining your annual tax by using the tables below (single and married rates, respectively).
Dividing the amount of tax by the number of pay periods per year to arrive at the amount of Federal tax withholding to be deducted per pay period.

Single Withholding Rates 2019^*
Annual taxable income between these amounts	Annual withholding	Withhold additional % of income over this amount
^*Source: http://www.irs.gov Publication 15 Income Tax Withholding Tables for 2019
$0 - $3,800	$0.00
$3,800 - $13,500	$0.00	plus 10% of income over $3,800
$13,500 - $43,275	$970.00	plus 12% of income over $13,500
$43,275 - $88,000	$4,543.00	plus 22% of income over $43,275
$88,000 - $164,525	$14,382.50	plus 24% of income over $88,000
$164,525 - $207,900	$32,748.50	plus 32% of income over $164,525
$207,900 - $514,100	$46,628.50	plus 35% of income over $207,900
$514,100 - (no limit)	$153,798.50	plus 37% of income over $514,100

Married Withholding Rates 2019^*
Annual taxable income between these amounts	Annual withholding	Withhold additional % of income over this amount
^*Source: http://www.irs.gov Publication 15 Income Tax Withholding Tables for 2019
$0 - $11,800	$0.00
$11,800 - $31,200	$0.00	plus 10% of income over $11,800
$31,200 - $90,750	$1,940.00	plus 12% of income over $31,200
$90,750 - $180,200	$9,086.00	plus 22% of income over $90,750
$180,200 - $333,250	$28,765.00	plus 24% of income over $180,200
$333,250 - $420,000	$65,497.00	plus 32% of income over $333,250
$420,000 - $624,150	$93,257.00	plus 35% of income over $420,000
$624,150 - (no limit)	$164,709.50	plus 37% of income over $624,150

Hourly Paycheck Calculator Overview

Knowing just what your take-home pay will be is one of the mysteries of any new job. You may have a vague sense of what it might be, but may be surprised when it turns out to be significantly more or less than you expected.

Or maybe you work variable hours at an hourly wage and want to know how much your next paycheck will be? There are several situations where this calculator might come in handy for an hourly worker:

When you just started a new job and want to see how much your take-home pay will be.
When negotiating for a raise and you want to see what the actual benefit would be.
If you work irregular hours and want to predict your take home pay for the upcoming pay period
If you're working a bunch of overtime and want to see how much of the additional earnings will actually be going in your pocket
If you're thinking of taking a new job and are trying to decide if it would be worthwhile or not.
To see what effect increasing your pre-tax deductions, such as for a 401(k) or other retirement plan, would have on your take-home pay.

Knowing what your take-home pay will be isn't just to satisfy idle curiosity. It can be very useful in your financial planning. For a new job, it can help you work out a budget. If you're going to be working overtime, or perhaps having shorter hours this week, it can help you plan ahead so you can manage your spending and bill paying over the next few weeks. And so forth.

Using the Hourly Paycheck Calculator

In addition to your hourly wage and the hours worked, you'll need to gather some additional information before you get started.

The percentage withheld from each check as your 403(b) or other retirement contribution (don't include your employer's contribution).
The amount taken out of each check that you pay toward an employee health insurance plan (again, don't include your employer's share. Leave out any insurance premiums that do not come out of your check, such as for Obamacare).
The combined rate you pay for state and local taxes.
All your pre- and post-tax deductions from your paycheck.
Any after-tax reimbursements you are supposed to receive, such as for mileage driven in your own vehicle.

Enter your information in the boxes indicated. If you are unsure about the definition of any box, click on the title for more information.

The box for "other hours worked" is for any additional work you may have done for the same employer for which you are compensated at a different hourly wage than your regular earnings. This is a fairly unusual situation, though.

The calculator will give you a breakdown of your paycheck in a pie chart so you can see just how much of your total earnings are going to your various deductions. Clicking "View report" will give you the same information in a table format.

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