Two people can both list "$25 an hour" on a job application and end up with different money in the bank, because one lives in Texas and the other in Oregon. This tool turns an hourly number into the figure that actually matters: what lands in your account.
Runs the 2026 federal brackets, FICA and the state rate you set above.
Start with the annual math, since everything else builds from it: hourly rate times hours per week times 52 weeks gives gross pay for the year. A full-time 40-hour week comes to 2,080 paid hours annually, the baseline this calculator assumes unless you change it. From that gross number, the tool removes the 2026 standard deduction, runs the remainder through the federal brackets, takes 7.65 percent for Social Security and Medicare, and subtracts the state rate you enter. What survives all four steps is net pay, shown four different ways so you can pick whichever period matches your budget.
Take a single filer earning $25 an hour for 40 hours a week, no pre-tax deductions, in a state with a flat 5 percent tax. Annual gross is 25 times 40 times 52, which is $52,000. Subtract the 2026 single-filer standard deduction of $16,100 and taxable income is $35,900. Running that through the 2026 brackets (10 percent on the first slice, 12 percent on the rest at this income) produces roughly $4,060 in federal tax. FICA at 7.65 percent of the full $52,000 gross is $3,978. State tax at 5 percent of gross is $2,600. Subtract all three from gross and net annual pay lands near $41,362, which is $1,591 every two weeks or $19.89 for each of the 2,080 hours worked.
| Line item | Amount |
|---|---|
| Gross annual (25 x 40 x 52) | $52,000 |
| Standard deduction (single, 2026) | -$16,100 |
| Federal income tax | -$4,060 |
| FICA (7.65%) | -$3,978 |
| State tax (5%) | -$2,600 |
| Net annual | $41,362 |
The federal constants behind this tool were updated July 1, 2026 to match IRS Rev. Proc. 2025-32 and the SSA's 2026 wage base announcement. Nothing here is an average or an estimate of the rule itself, only of your outcome under it.
| Figure | 2026 value | Source |
|---|---|---|
| Standard deduction, single | $16,100 | IRS Rev. Proc. 2025-32 |
| Standard deduction, married filing jointly | $32,200 | IRS Rev. Proc. 2025-32 |
| Social Security wage base | $184,500 | SSA, 2026 |
| FICA rate (combined employee share) | 7.65% | IRS Topic No. 751 |
| Additional Medicare Tax threshold, single | $200,000 | IRS |
Sources: IRS Topic No. 751, SSA contribution and benefit base. See our editorial standards for how we verify these figures each year.
Paid a salary instead of an hourly rate? The paycheck calculator and take-home pay calculator run this same four-step math starting from an annual number, and the 2026 take-home pay table lists results across a range of salaries with nothing to type in at all.
Your posted wage is gross pay before anything comes out. Net hourly rate divides your actual take-home pay by the hours you worked, so federal tax, FICA and state tax are already subtracted. A $25 posted rate commonly nets $19 to $20 an hour once those are removed.
Usually by slightly less. Because federal tax is progressive, a raise can push part of your pay into a higher bracket, so the after-tax gain is a bit smaller in percentage terms than the gross raise, though it never erases the raise.
Enter your average hours per week over a typical month or quarter rather than a single busy or slow week, so the annualized figure reflects your usual schedule instead of an outlier.
Yes. Use the copy link button below the results to generate a URL with your inputs built in, or use the print button for a one-page summary.