Hourly paycheck to take-home pay (2026)
Tax year 2026 · Last updated:
Hourly wages convert to annual gross with hours per week, then the same federal, FICA, and state stack as salary once annualized. TakeHome supports hourly gross plus hours/week for tax year 2026 educational estimates — averaged across pay periods, not an exact employer stub.
Hourly × hours/week × 52 ≈ annual gross
A common full-time conversion is hourly rate × hours per week × 52. Example: $30 × 40 × 52 = $62,400 annual gross before taxes and deductions.
Part-time work uses the same formula with fewer hours. If your schedule varies week to week, pick a representative average hours/week — TakeHome will annualize from that steady assumption.
Overtime is not fully modeled
Statutory overtime premiums, double-time, shift differentials, and irregular OT hours are not fully modeled here. Enter a realistic base rate and typical hours; treat overtime as a separate what-if outside the core estimate.
If overtime is a large share of your income, the educational annual figure can understate gross. Read Methodology for scope and known omissions.
Use hourly gross unit + hours per week in the calculator
In TakeHome, set the gross pay unit to hourly, enter your rate, and set hours per week. Choose pay frequency (weekly, biweekly, and so on) so the average per-period net matches how you are paid.
Once annualized, the engine applies the same federal income tax, employee FICA, and state path as a salary input at the equivalent annual gross for tax year 2026.
Same tax stack as salary after annualizing
Hourly versus salaried is mostly an input format difference in this calculator. After conversion to annual wages, withholdings follow the same limited-scope federal + FICA + state model.
State pages (for example California) still help when you want a pre-selected state. Benefits, local taxes beyond modeled cases, and employer-specific deductions can still move a real stub.
Remember
- Annualize with hourly × hours/week × 52 (adjust hours for part-time)
- Overtime premiums are not fully modeled — say so when you share results
- After annualizing, federal / FICA / state follow the same TakeHome path as salary
Convert hourly pay to take-home
Open the calculator, choose hourly gross, enter hours per week, and compare annual take-home for tax year 2026.
FAQ
Does TakeHome assume 40 hours for full-time?
You choose hours per week. Many full-time roles use 40, but you can enter 35, 37.5, or another schedule. The model annualizes from the hours you enter.
How should part-time workers use the calculator?
Enter your hourly rate and typical weekly hours (for example 20). Keep pay frequency aligned with how you are paid so the per-period average is readable.
Can I compare a salary offer to an hourly offer?
Yes. Enter one side as annual salary and the other as hourly + hours/week, or convert both to annual gross first. Compare annual take-home, then check per-period averages with a matched frequency.
Why is my real stub different from the hourly estimate?
Overtime, unpaid time off, tips, local taxes, benefits, and employer rounding are common gaps. TakeHome’s result is an educational annual estimate averaged across periods — not a payroll stub replica.