Modern, Mobile-First U.S. Salary Calculators — Instant Answers, Built on the Latest IRS & State Rates
The complete suite of free U.S. salary and paycheck calculators — take-home pay, hourly-to-salary, overtime under the FLSA, federal & state tax, FICA, W-4 withholding, bonus tax, 401(k), self-employment, raise, and more. Each calculator is updated to the current IRS tax brackets, the Social Security Administration’s wage base, and your state’s published rates. Designed mobile-first for quick answers on any device — tap, enter your numbers, get an instant estimate.
Our calculators use the standard formulas published by the IRS, the Social Security Administration, the U.S. Department of Labor, and state departments of revenue. They give a strong working estimate of your situation — but they cannot account for every credit, deduction, or local quirk. For an exact figure or a real tax decision, see your tax preparer or the IRS directly. See our Disclaimer.
Every calculation runs in your browser, locally, using JavaScript. We do not receive, transmit, or store the salary, wage, hours, bonus, or tax-withholding figures you type in. Close the tab and the numbers are gone. This is the only safe privacy posture for a financial tool — see our Privacy Policy.
The Calculator Menu — Every Salary Question, One Site
Tap any tool. Each one is built mobile-first, runs in your browser, and uses the current IRS, SSA, DOL, and state rates. The full library:
Take-home pay (paycheck)
Net pay per pay period after federal income tax, FICA, state tax, and pre-tax deductions.
Hourly ↔ salary
Convert hourly to annual salary, or annual salary back to an effective hourly rate.
Overtime (FLSA)
Time-and-a-half on hours over 40 in a workweek, with weighted regular-rate handling.
Federal income tax
2026 IRS tax brackets, standard deduction, and marginal vs. effective rate.
State income tax
Per-state calculators including no-tax states (TX, FL, NV, WA, WY, SD, AK) and flat- and bracket-rate states.
FICA
Social Security (6.2% to the annual wage base) and Medicare (1.45% + 0.9% Additional Medicare over the threshold).
W-4 withholding
Estimate the impact of dependents, other income, and extra withholding on your paycheck.
Bonus tax
Flat 22% supplemental rate vs. aggregate-method comparison for bonuses and commissions.
401(k) impact
How a pre-tax 401(k) contribution changes your take-home pay and tax bill.
Self-employment / 1099
SECA self-employment tax (15.3%) plus federal and state income-tax estimate for contractors.
Raise / pay-rise
What a percentage or dollar raise actually adds to your monthly take-home.
Pay-frequency converter
Annual, monthly, semi-monthly, bi-weekly, weekly, daily, and hourly equivalents.
Gross ↔ net
Work backward from a target take-home, or forward from a gross salary.
Cost of living
Compare salary purchasing power between cities using BLS data.
Pay-stub explainer
Walks through every line of a U.S. pay stub — OASDI, HI, FIT, SIT, pre-tax, post-tax.
The U.S. Pay & Tax Framework Our Calculators Use
We are not a regulator; we describe the framework so you know where each number comes from:
| What it covers | Source | Where rates come from |
|---|---|---|
| Federal income tax brackets & standard deduction | IRS | Annual Revenue Procedure; Publication 15-T for withholding methods |
| Form W-4 (employee withholding) | IRS | Current-year Form W-4 and Publication 15-T worksheets |
| FICA — Social Security (OASDI) 6.2% | Social Security Administration | Annual Social Security wage base announcement (cost-of-living adjustment) |
| FICA — Medicare (HI) 1.45% + Additional Medicare 0.9% | IRS / SSA | Internal Revenue Code §3101; Additional Medicare threshold |
| Self-employment tax (SECA) 15.3% | IRS | Schedule SE; 92.35% net-earnings adjustment |
| Overtime — time-and-a-half over 40 hours / workweek | U.S. Department of Labor, Wage and Hour Division | Fair Labor Standards Act (FLSA); 29 CFR Part 778 |
| State income tax brackets and flat rates | State departments of revenue / taxation | Each state’s official annual publication |
| Wage and salary statistics | Bureau of Labor Statistics (BLS) | Occupational Employment and Wage Statistics (OEWS) and CPI data |
What Sets salary-calculators.org/ Apart
Calculator sites are a dime a dozen — most quietly run on stale tax tables, throw arithmetic at you, and call it done. We are different:
1. Annual-update discipline. Tax brackets, the Social Security wage base, the Additional Medicare threshold, the standard deduction, and most state rates change each year — some mid-year. Every calculator carries a “Rates current as of” date, and we update on the IRS/SSA/state schedule. 2. Privacy by browser-compute. Calculations run in your browser; we do not receive or store your numbers. 3. Plain-English explanations. Every calculator shows its working — you see which bracket applied, what FICA took, what the state took, and why your gross became net.
How to Use a Calculator on This Site
- Pick the tool. Take-home, hourly-to-salary, overtime, bonus tax, and so on — whichever question you have.
- Enter your numbers. Salary, hours, state, pay frequency, pre-tax deductions, W-4 details. Mobile-friendly inputs throughout.
- See the instant estimate. No “calculate” round-trip — results update as you type.
- Read the working. Every result breaks down federal tax, FICA, state tax, and deductions so you can see where each dollar went.
- Check the “Rates current as of” date. If you need this for a specific paycheck or filing, confirm the published rate against the IRS or your state agency.
- For real decisions, confirm with a pro. Calculators are estimates; a CPA or enrolled agent handles your actual filing.
What This Site Is — and Is Not
salary-calculators.org/ is the free, modern, mobile-first reference for U.S. salary and paycheck math. We are completely independent. We are not affiliated with the Internal Revenue Service, the Social Security Administration, the U.S. Department of Labor, the Bureau of Labor Statistics, any state department of revenue, your employer, or any payroll provider. We do not prepare returns, file taxes, issue paychecks, give individualized tax or financial advice, or sell payroll services.
Corrections & Feedback
Tax tables change. State rates change. The IRS publishes a new Publication 15-T. If you spot a calculator using an outdated rate or a formula that does not match the official source, tell us.
Email info@salary-calculators.org with the calculator URL and the detail that needs updating, plus the IRS, SSA, DOL, or state-agency citation. We re-verify against the official source and push the fix — usually within 48 hours for a rate change, faster when the new tables are already published.
Start with the Take-Home Pay Calculator
Enter your gross salary, state, and pay frequency — see your net paycheck broken down by federal tax, FICA, state tax, and pre-tax deductions. Mobile-first, instant, private.
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