Salary Calculator
Estimate your take-home pay, net income, and tax deductions fast with our U.S. salary calculator.
Enter Your Salary Details
Salary Breakdown
Holidays & Vacations
Unadjusted
Annual Summary
How It Works
Enter Salary
Input your annual salary or hourly wage and choose your pay frequency.
Add Tax Rates
Include federal and state percentages; FICA (Social Security/Medicare) is listed separately.
Include Deductions
Add pre-tax benefits (health, HSA/FSA, traditional 401(k)) and any after-tax items.
Get Results
See gross vs. net pay, hourly ↔ salary conversions, and adjusted vs. unadjusted amounts.
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Understanding Salary Calculations
Salary vs Wage
Gross salary is your total earnings before deductions, while net salary is what you actually receive after taxes and other deductions.
Miscellaneous Employee Benefits
Compensation isn’t just base pay. Employers may also provide health insurance, retirement contributions, paid time off, payroll tax contributions on the employer side, bonuses, and discounts. Consider the value of benefits alongside salary when comparing jobs.
Self-Employed Contractors
Contractors set rates (hourly/daily/weekly) and typically don’t receive employer benefits or paid time off. Because they cover their own taxes and benefits, contractor rates often need to be higher than similar full-time salaries.
Adjusted vs. Unadjusted Example
Unadjusted annual pay ≈ hourly rate × hours per day × working days per year. Adjusted annual pay removes paid holidays and vacation/PTO from working days. All other pay periods (bi-weekly, semi-monthly, monthly, quarterly) derive from the annual figure.
Different Pay Frequencies
Common schedules include weekly, bi-weekly (every two weeks; ~26 checks/yr), semi-monthly (twice a month; 24 checks/yr), and monthly. Bi-weekly vs. semi-monthly affects paycheck size and timing, not total annual pay.
U.S. Salary Basics
U.S. workers may be classified as exempt (typically salaried; not eligible for overtime) or non-exempt (usually hourly; eligible for overtime) under federal rules. Minimum wages and some labor standards vary by state and locality.
Federal Holidays
There are multiple federal holidays each year. Employers vary in how many are observed. Adjust the “Holidays per Year” input to reflect your company policy when estimating adjusted pay.
Key Terms to Know
FICA Taxes
Employee payroll taxes for Social Security and Medicare; employers also contribute.
Tax Withholding
Estimated income taxes withheld each paycheck based on your W-4 and any state forms.
Pre-tax Deductions
Deductions taken from your gross pay before taxes are calculated, reducing your taxable income.
After-tax Deductions
Taken after taxes (Roth 401(k), certain insurance, charitable).
Taxable Income
Gross pay minus pre-tax deductions; used to calculate income taxes.
Pay Frequency
Weekly, bi-weekly, semi-monthly, or monthly schedules that change paycheck timing/size.
Overtime Eligibility
Non-exempt roles may earn overtime; exempt roles typically do not.
Pro Tip
Use this tool to model benefits, PTO, and pay frequency so you can compare total compensation and negotiate with confidence.
Frequently Asked Questions
Get answers to common questions about salary calculations and take-home pay
It’s an estimate based on your inputs; actual pay varies with withholdings, benefits, and local rules.
Gross is before deductions; net is after taxes and deductions—your take-home pay. Can wage-earners use this salary calculator? Yes. Enter hourly info and we’ll convert to weekly, bi-weekly, semi-monthly, monthly, and annual amounts.
Use current IRS brackets for your filing status; your last return can help estimate your marginal rate.
Unadjusted ignores holidays/PTO; adjusted removes those days from working days to reflect real schedules.
Bi-weekly pays every two weeks (~26 checks); semi-monthly pays twice a month (24 checks) on set dates.
They can by lowering taxable income, which may reduce income tax withheld.
They’re payroll (FICA) taxes taken from each check; employers also contribute a share. Should I include bonuses in my salary calculation? Yes. Include them to see their impact on taxes and net pay.
Yes. Enter your hourly/daily rate and expected days to estimate annual income; remember to plan for self-employment taxes and benefits.
Update when your pay, benefits, location, or tax situation changes (new job, raise, life event).
Yes—compare offers, model PTO/benefits, and test pay frequencies to understand total compensation.