Hourly Paycheck Calculator

Hourly Paycheck Calculator (2026)

Hourly pay is simple on the surface: your rate times the hours you work. The paycheck that lands in your account is smaller, because federal income tax, Social Security, and Medicare come out of nearly every hour you earn, and most states take a cut on top. This calculator turns an hourly wage into a per-paycheck take-home figure. Enter your rate, your regular and overtime hours, how often you get paid, and your state, and it estimates the federal, FICA, and state withholding for each check. Overtime adds a premium, usually time and a half, so those hours lift your gross faster than regular ones. A 2026 federal law also created temporary deductions for qualified overtime and tips, but those work differently than people expect: they lower the income tax you settle at filing, not the amount withheld from each paycheck. The tool keeps the two separate so the per-check number stays honest. Set your details below to see weekly, biweekly, semi-monthly, or monthly pay, then read the notes on how the new deductions actually reach you.

Hourly Rate (USD)

$

Regular Hours / Week

Overtime Hours / Week

Overtime Rate (x)

Pay Frequency

Add double-time hours

Filing Status

Tips Received / Year

$

State

No state income tax

Gross pay

Annual Gross$52,000

Weekly Gross$1,000

Gross pay before taxes and deductions.

Per paycheck (take-home)

Gross$2,000

Federal$156

FICA$153

Take-Home$1,691

Per-paycheck figures apply 2026 federal income tax, FICA, and the state and local tax for the state you pick above. Add 401(k), HSA, and other pre-tax benefits in the full paycheck calculator for an even closer net.

This estimate is for planning purposes only and does not constitute tax or financial advice. Actual paycheck withholding depends on your employer's payroll system, custom W-4 elections, additional income, and personal tax situation. For specific tax-planning decisions, consult a licensed CPA or tax professional.

$25 an hour by pay frequency

Gross and estimated take-home pay per check at $25 an hour, 40 hours a week, for a single filer with 2026 federal tax and FICA and no state income tax.

Pay Frequency	Gross / Check	Take-Home / Check
Weekly	$1,000	$845
Bi-Weekly	$2,000	$1,691
Semi-Monthly	$2,167	$1,832
Monthly	$4,333	$3,664

How the per-paycheck number is built

Each paycheck starts from your annual gross, found by projecting your weekly hours across the year. The calculator runs that yearly figure through 2026 federal brackets and FICA, then divides the result by your number of pay periods. Weekly pay splits the year into 52 checks, biweekly into 26, semi-monthly into 24, and monthly into 12. This even split is a planning estimate, not exact payroll withholding, which your employer computes per check from your W-4. The total across the year is what matters, and it does not change with frequency.

Overtime, double-time, and the premium

Overtime is paid on hours past 40 in a week, usually at one and a half times your base rate. Double-time, where an employer offers it, pays twice the base. Both raise your gross, and both are fully taxed for withholding, so a heavy overtime week means a bigger check and bigger tax on that check. Add your typical overtime and double-time hours to see the effect. The calculator treats them as recurring weekly hours projected across the year, which suits steady schedules better than one-off spikes.

How the 2026 overtime and tips deductions reach you

The 2025 tax law added two temporary breaks for 2025 through 2028: a deduction for qualified overtime premium pay and one for qualified tips. Both are claimed on your federal return and lower the income tax you owe at filing. Neither changes paycheck withholding, and neither touches Social Security or Medicare, which still apply to every overtime and tip dollar. Each has a dollar cap and phases out at higher incomes, and married filing separately cannot claim either. The callout in the results estimates your annual benefit from the figures you enter.

Frequently asked questions

How do I calculate my hourly paycheck after taxes?

Start with gross pay: multiply your hourly rate by the hours you work in the pay period, adding any overtime at its higher rate. Then subtract federal income tax, Social Security, and Medicare, plus state tax where it applies. The calculator above runs that math for each pay frequency.

How does overtime affect my take-home pay?

Overtime hours usually pay time and a half, so each one adds 50 percent more than a regular hour to your gross. That extra money is taxed like the rest of your wages for withholding. FICA always applies. Under a 2026 federal rule, the premium half may be deductible at tax time.

Does pay frequency change how much tax I pay?

No. Whether you are paid weekly, every two weeks, twice a month, or monthly, your annual tax bill is the same. Frequency only changes the size of each check and how withholding is spread across the year. More frequent checks are smaller; less frequent checks are larger.

What is the 2026 No Tax on Overtime deduction?

For tax years 2025 through 2028, qualified overtime can be deducted on your federal return. Only the premium half of time-and-a-half pay counts, capped per filing status and phased out at higher incomes. It lowers income tax when you file, not your paycheck withholding, and FICA still applies.

Are tips taxed differently in 2026?

Tips are still wages: they face income tax and FICA, and your employer reports them. A 2026 federal rule lets many workers deduct up to a yearly cap of qualified tips on their return, which trims income tax at filing. The deduction does not reach Social Security or Medicare.

Why is my hourly paycheck smaller than rate times hours?

Three federal pieces come out before you see your pay: income tax withholding, Social Security at 6.2 percent, and Medicare at 1.45 percent. Most states add their own tax, and benefits like a 401(k) or health premium reduce it further. Gross times hours is the starting point, not the deposit.

How to read these numbers

Treat these figures as a careful estimate, not a payroll quote. The per-paycheck net applies 2026 federal income tax, FICA, and the state and local tax for the state you choose, so it lands close to a real check in most places. Pre-tax benefits, a different W-4, or additional income all move the number. Use it to sanity-check an offer or plan a budget, then confirm the exact amount with your employer.

How This Page Is Reviewed

The hourly paycheck calculator converts an hourly wage and weekly hours into annual gross, runs it through the same 2026 federal, FICA, and state and local tax engine as the main paycheck calculator, and slices the result to each pay frequency. Take-home reflects the state and city you select, including state payroll programs where they apply. The 2026 overtime and tips deductions are shown as an annual return-time benefit, separate from per-paycheck withholding.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-06-25

Primary sources

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