Paycheck & Salary Converter
Convert pay between hourly, weekly, monthly, and yearly, factoring weekly hours and overtime, and estimate take-home using a deduction percentage you control.
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Disclaimer: This free tool is provided “as is,” without warranties of any kind, and is for general informational purposes only — not professional, legal, financial, medical, tax, or engineering advice. Results may contain errors; verify anything important independently and use at your own risk. We accept no liability for any loss or damage arising from its use. See our Terms of Use for details.
Step-by-Step Guide
Enter your pay rate and select whether it is hourly, weekly, biweekly, semi-monthly, monthly, or annual. Set your standard weekly hours and any overtime hours (hours beyond the threshold per week that are paid at a higher multiplier, typically 1.5× for hourly workers in the US). Finally enter a combined deductions percentage to estimate take-home pay — this should include federal and state income tax withholding, Social Security, Medicare, and any voluntary deductions like health insurance or 401(k) contributions.
The tool calculates gross pay for every time period in one comparison table: hourly rate, daily (gross ÷ working days), weekly, biweekly, semi-monthly, monthly, and annual. Net (take-home) is displayed alongside each gross figure after applying your deductions percentage.
Understanding the overtime calculation
In the United States, the Fair Labor Standards Act (FLSA) requires that most non-exempt hourly workers be paid at least 1.5× their regular rate for hours worked beyond 40 in a workweek. The tool adds overtime hours to regular hours, applies the multiplier to the extra hours only, and then scales the resulting weekly total to all other periods. Salaried workers are generally exempt from overtime — if that applies to you, set overtime hours to zero.
$25.00/hr, 40 standard hours per week, 5 overtime hours at 1.5× multiplier, 22% combined deductions: regular weekly gross = $1,000; overtime premium = 5 × $25 × 0.5 = $62.50 extra; total weekly gross = $1,062.50; annual gross = $55,250; after 22% deductions, annual net ≈ $43,095. The table shows every period from hourly to yearly, gross and net side by side.
Who it's for
Job seekers, hourly and salaried workers, freelancers, and recruiters.
Core Features
- Convert between hourly, weekly, monthly, and yearly pay.
- Factor weekly hours and overtime (hours beyond the threshold at a chosen multiplier).
- Gross and net shown for every period in one comparison table.
- Take-home from a single deduction % you enter — no tax tables, fully transparent.
🛡️ No tracking — your inputs, keys, and details never leave this client sandbox.
How do I convert an hourly rate to an annual salary?
Enter your hourly rate and set the period to Hourly. Input your standard weekly hours (typically 40) and the calculator multiplies: hourly × hours/week × 52 weeks. For example, $25/hour × 40 hours × 52 weeks = $52,000 annual gross. If you have overtime hours in a typical week, those are added at the multiplier before annualizing, giving a more accurate picture.
What deduction percentage should I enter?
The deduction percentage is a single combined number representing everything taken out of your gross pay before you receive it. For a US worker earning a typical middle income, federal income tax withholding is roughly 12–22%, Social Security is 6.2%, Medicare is 1.45%, and state income tax varies from 0% to over 10%. A combined rate of 22–30% is common for middle-income earners. Add any voluntary deductions (health insurance, 401k contributions) on top. Check a recent pay stub for your actual total withholding rate.
What is the difference between gross and net pay?
Gross pay is your total earnings before any deductions: just the hours times the rate, plus overtime. Net pay (take-home pay) is what actually reaches your bank account after taxes and other withholdings are subtracted. Knowing both is important when comparing job offers — a higher salary with worse benefits or a higher tax jurisdiction may produce similar take-home pay to a lower salary with good benefits.
How does biweekly differ from semi-monthly pay?
Biweekly means every two weeks, producing 26 pay periods per year. Semi-monthly means twice a month (typically the 1st and 15th), producing exactly 24 pay periods per year. The annual gross is the same either way, but individual paychecks differ: a biweekly paycheck is annual gross ÷ 26, and a semi-monthly paycheck is annual gross ÷ 24. Two months per year, biweekly workers receive three paychecks instead of two.
Does this calculate actual tax withholding?
No — it uses a single combined deduction percentage you enter, not actual tax tables. For a precise withholding calculation you need to know your filing status, allowances, pre-tax deductions, and the exact tax brackets. Use this tool to compare pay periods and quickly evaluate job offers; use a dedicated payroll tax calculator or consult your pay stub for precise figures.
How is overtime calculated?
The tool adds overtime hours above your threshold at your chosen multiplier (default 1.5×, which is the US FLSA standard). If you work 45 hours and 40 is the threshold, you have 5 overtime hours. Regular pay: 40 × rate. Overtime pay: 5 × rate × 1.5. Total weekly gross is the sum. This is annualized to compute yearly and other period amounts.
Three things about your paycheck that most people get wrong
Pay stubs are dense documents that most workers scan for the bottom-line number without examining what produced it. Three misunderstandings about pay math come up constantly when people compare offers, negotiate raises, or try to build a budget.
Myth vs. reality: biweekly and semi-monthly are the same
Biweekly means every two weeks — 26 paychecks per year. Semi-monthly means twice a month — exactly 24 paychecks per year. Both are common, and both pay the same annual total, but individual paychecks differ. A $60,000 annual salary produces a $2,307.69 biweekly check (÷ 26) or a $2,500 semi-monthly check (÷ 24). The practical difference: biweekly workers receive three paychecks in two months each year, which can be a pleasant budget surprise or an accounting headache depending on how fixed expenses are set up.
Myth vs. reality: a 10% raise means 10% more take-home
Not quite. Because the US income tax system is progressive, a raise can bump part of your income into a higher marginal bracket. A 10% raise on a $55,000 salary produces slightly less than 10% more take-home because the additional dollars are taxed at the next bracket's rate rather than your average rate. Social Security contributions also apply to the new income up to the annual wage base. The net effect is usually that your take-home increases by 7–9% on a 10% gross raise at typical middle-income levels.
Myth vs. reality: overtime just adds 50% to your hourly rate
Overtime pay adds 50% to the rate for each overtime hour — not to the whole paycheck. If you earn $20/hour and work 45 hours in a week, your regular pay covers the first 40 hours ($800) and overtime covers the extra 5 hours at $30/hour ($150), for a weekly gross of $950. The 1.5× multiplier applies only to the premium on overtime hours. This distinction matters when evaluating whether overtime is worth the trade-off in time and when estimating how much of an expected weekly gross comes from straight time versus premium pay.