Enter your hourly rate, the hours you worked and any overtime. You’ll see this week’s take-home, every deduction, and how the same pay looks over a full year.
2026 tax year, verified Sources
Estimated take-home this week
$684.72
from $800.00 gross. You keep 86%.
2026 tax year, rules last verified November 12, 2026. An estimate, not tax advice. How we calculate
Each extra dollar you earn loses about 20¢ to taxes, but across all your pay the average is 14¢. A raise never lowers your take-home: only the dollars above a bracket line pay the higher rate.
| Annual pay | Effective | Marginal |
|---|---|---|
| $10,000 | 7.6% | 7.6% |
| $20,000 | 9.6% | 17.6% |
| $30,000 | 12.4% | 19.7% |
| $40,000 | 14.2% | 19.7% |
| $50,000 | 15.3% | 19.7% |
| $60,000 | 16.0% | 19.7% |
| $70,000 | 17.0% | 29.6% |
| $80,000 | 18.6% | 29.6% |
| $90,000 | 19.8% | 29.6% |
| $100,000 | 20.8% | 29.6% |
Same pay, W-4 and benefits; each state’s default withholding answers, no local taxes. Take-home per week:
Weekly take-home for a single filer with a standard W-4 and no benefits. Select a rate for its full yearly, monthly and state breakdown.
| Hourly rate | Gross / week | Texas | California | New York | Pennsylvania |
|---|---|---|---|---|---|
| $12/hr | $480.00 | $426.24 | $417.45 | $408.48 | $411.16 |
| $15/hr | $600.00 | $524.02 | $511.03 | $499.26 | $505.18 |
| $18/hr | $720.00 | $620.44 | $600.94 | $588.68 | $597.84 |
| $20/hr | $800.00 | $684.72 | $660.66 | $648.29 | $659.60 |
| $22/hr | $880.00 | $749.00 | $720.38 | $707.91 | $721.36 |
| $25/hr | $1,000.00 | $845.42 | $807.91 | $797.33 | $814.02 |
| $28/hr | $1,120.00 | $941.84 | $894.85 | $886.75 | $906.68 |
| $30/hr | $1,200.00 | $1,006.12 | $952.81 | $946.37 | $968.44 |
| $35/hr | $1,400.00 | $1,154.71 | $1,081.58 | $1,083.29 | $1,110.75 |
| $40/hr | $1,600.00 | $1,295.41 | $1,200.77 | $1,212.33 | $1,245.17 |
| $50/hr | $2,000.00 | $1,576.81 | $1,436.05 | $1,468.89 | $1,514.01 |
Federal law (the Fair Labor Standards Act) requires 1.5 times your regular rate for hours over 40 in a workweek if you are a non-exempt employee. Your regular rate includes most bonuses and shift differentials, not just your base wage.
Some states go further. California pays overtime after 8 hours in a day and double time after 12; Alaska pays daily overtime after 8 hours; Nevada does for workers earning less than 1.5 times its minimum wage; and Colorado counts hours over 12 in a day. Enter overtime hours in the calculator exactly as they appear on your timesheet.
Use the overtime calculator to see how much an extra shift really adds to your check.
Overtime is ordinary wages: Social Security, Medicare and income tax all apply. A heavy week is withheld at a higher rate because payroll treats that check as if you earned it every week. At $20 an hour in Texas, 10 overtime hours add $300.00 gross and $241.05to take-home.
From 2025 through 2028 you may be able to deduct the premium part of required overtime on your federal return. That lowers your tax bill, not your paycheck withholding. Read the overtime deduction guide.
Multiply your rate by your regular hours, add overtime hours × rate × 1.5, then subtract federal income tax, Social Security (6.2%), Medicare (1.45%) and any state or local tax. At $20 an hour for 40 hours in Texas, single, that is $800 gross and $684.72 take-home.
Withholding treats each check as if you earned that much every week of the year, so a big week is withheld at a higher rate. In the example above, 10 overtime hours add $300.00 gross and $241.05 take-home (80% kept, versus 86% on regular pay). If your yearly income is lower than one big week suggests, the difference comes back at tax time.
Under federal law, overtime is owed for hours over 40 in a workweek, even if you are paid every two weeks. Two 40-hour weeks in one biweekly check have no overtime, but a 50-hour week and a 30-hour week have 10 overtime hours. Some states, such as California, Alaska, Nevada and Colorado, also have daily overtime rules.
No. Withholding depends on how much you are paid in each check and your W-4, not on whether you are hourly or salaried. Hourly checks just vary more from week to week.