Enter your hourly rate and hours per week — see your exact take-home pay after federal & state taxes in seconds.
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For hourly workers, calculating take-home pay starts with multiplying your hourly wage by hours worked per week, then scaling to an annual figure. A worker earning $22/hour for 40 hours/week earns $45,760 gross per year ($22 × 40 × 52). From there, federal income tax, state income tax, and FICA are applied to that annualized figure, then divided back to a per-paycheck amount.
Unlike salaried employees, hourly workers may see significant week-to-week differences in gross pay — especially when working overtime, taking unpaid time off, or picking up extra shifts. Because federal withholding is calculated by annualizing each paycheck, a week with extra hours can result in higher withholding at a marginal rate that doesn't reflect your typical income. Our overtime pay calculator models these exact scenarios.
At $22/hour, 40 hours/week, a single filer in Texas (no state income tax) takes home approximately $35,100 annually — about $1,350 per biweekly paycheck. The same worker in California takes home about $32,200 annually, roughly $1,238 per biweekly check — a difference of $2,900/year purely from California's state income tax. Use our paycheck calculator to run your own state comparison. For salary-based pay, see the salary paycheck calculator.
Many workers accept a job offer based on the hourly rate without accounting for taxes, FICA, and benefit deductions. Someone offered $25/hour in Minnesota will not take home $25/hour — after all deductions, they may net closer to $17–$18/hour. Always confirm your expected net rate before accepting a job offer, especially when comparing hourly vs. salaried offers.
Multiply your hourly rate by hours per week, then by 52 to get annual gross pay. Subtract your pre-tax deductions and the standard deduction, then apply federal and state tax brackets to find annual taxes. Add FICA (7.65% total), subtract everything from gross, and divide by your number of pay periods. For a $22/hour worker in Florida with 40 hours/week (biweekly), that works out to approximately $1,415 per check. Our hourly paycheck calculator handles this instantly for all 50 states.
Working more hours increases your annualized income, which can push your income into higher marginal tax brackets. For example, a part-time worker earning $15/hour for 20 hours/week ($15,600/year) may pay only 10% federal on most income. The same worker at 40 hours/week ($31,200/year) moves into the 12% bracket on income above $11,600. The effective rate — total taxes divided by total income — is still progressive, so you always keep more money by working more. Use our overtime calculator for exact figures when working extra hours.
The federal minimum wage remains $7.25 per hour as of 2024 — unchanged since 2009. However, many states and cities have set higher minimums. As of 2024, California's statewide minimum is $16/hour for most workers, Washington State is $16.28/hour, and New York City is $16/hour. If your state minimum is higher than the federal rate, your employer must pay the higher state rate. Enter your actual hourly rate above to see what you'll take home regardless of whether it's minimum wage or above.
Tips are fully taxable wages — the IRS requires you to report all cash and credit card tips received. Employers are required to withhold income tax and FICA on reported tips. For tipped workers earning below the cash wage minimum ($2.13/hour federally), employers must make up the difference if tips don't bring total hourly pay to at least $7.25/hour. Many tipped workers underreport or underestimate tip income in their budgets; enter your total hourly equivalent (base wage + average tips per hour) in our calculator to get an accurate take-home estimate. See the tax withholding calculator to ensure correct withholding.
Last updated: January 2025
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