2026 rates
An hourly rate is not what the job pays
Enter your rate and the hours you are actually paid for. The whole deduction stack comes out line by line — and your state's share changes the answer more than most job ads admit.
That is $1,600.00 of gross pay per paycheck, $41,600.00 a year. Overtime runs through the same withholding tables as the rest of the cheque — there is no penalty rate. Tips, shift differentials and unpaid weeks are not modelled.
Take-home pay
per paycheck · $35,605.70 a year
- Gross pay
- $1,600.00
- Federal income tax
- −$108.15
- Social Security
- −$99.20
- Medicare
- −$23.20
- Total withheld
- $230.55
14.4% of gross goes to taxes. 2026 rates. Estimate only — your employer's payroll may differ.
Federal and FICA only · Pick your state below to add state withholding
At 40 hours a week
The same rate, two different paychecks
The same hourly rate in the best and the worst state Actualsum covers. Nothing about the job changes — only the state does.
| An hour | A year, before tax | Texas | New York |
|---|---|---|---|
| $15 | $31,200 | $27,249 | $25,161 |
| $18 | $37,440 | $32,263 | $29,552 |
| $20 | $41,600 | $35,606 | $32,479 |
| $25 | $52,000 | $43,962 | $39,798 |
| $30 | $62,400 | $52,319 | $47,116 |
| $35 | $72,800 | $60,045 | $53,796 |
40 hours a week, 52 weeks, filing single, paid every two weeks, no pre-tax deductions. 2026 rates. The table is straight time only — the calculator above takes overtime hours at 1.5× or 2×.
Pick your state
Hourly calculators, state by state
Common questions
Hourly pay, in plain terms
How much is $20 an hour a year?
At 40 hours a week for 52 weeks, $20 an hour is $41,600 a year before tax. What lands in your account is less: federal income tax, Social Security and Medicare come off everywhere, and most states take a share on top.
Is hourly pay taxed more than salary?
No. Withholding is worked out from what you are paid in the period, not from how the job describes the pay. The same gross in the same period produces the same withholding either way. Hourly pay just varies week to week, so the amount withheld varies with it.
Does this calculator include overtime?
Yes. Enter your overtime hours beside your regular ones and pick the multiplier your employer pays — time and a half, double time, or the base rate. Overtime is ordinary wages, withheld through the same tables as the rest of the cheque, so it is never taxed at a penalty rate. Tips and shift differentials still follow their own rules, and a bonus is often withheld at a flat supplemental rate rather than through the normal tables.
Which states are covered?
50 so far: Texas, Florida, Nevada, Tennessee, Wyoming, South Dakota, Alaska, New Hampshire, Washington, Illinois, North Carolina, Colorado, Georgia, Michigan, Pennsylvania, Arizona, Kentucky, Louisiana, Arkansas, Ohio, Utah, California, Missouri, Wisconsin, Oregon, Indiana, New York, Iowa, Mississippi, Idaho, Maryland, New Jersey, Oklahoma, Maine, South Carolina, Minnesota, Virginia, Vermont, North Dakota, Nebraska, Kansas, Massachusetts, Alabama, Delaware, Hawaii, Montana, New Mexico, Rhode Island, West Virginia, Connecticut. More are on the way. Every state figure here comes from that state's own withholding guide, so what you get is your state's number and not a national average.