# Hourly Paycheck Calculator Last updated October 22, 2026FreeNo signupFormula shown Enter your hourly rate, your hours and your state, and this hourly paycheck calculator shows your 2026 take-home pay. It splits your hours at 40 for time and one-half, works your weekly hours out from the shifts you work and the breaks you do not get paid for, and takes out federal and state tax for all 50 states and DC. StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Texas taxes no wages, so nothing is withheld for the state. [Open the Texas paycheck calculator page](https://www.teampredict.ai/tools/paycheck-calculator/texas) States with their own page: [Texas](https://www.teampredict.ai/tools/paycheck-calculator/texas) [Florida](https://www.teampredict.ai/tools/paycheck-calculator/florida) [California](https://www.teampredict.ai/tools/paycheck-calculator/california) [New York](https://www.teampredict.ai/tools/paycheck-calculator/new-york) [Illinois](https://www.teampredict.ai/tools/paycheck-calculator/illinois) [North Carolina](https://www.teampredict.ai/tools/paycheck-calculator/north-carolina) [Georgia](https://www.teampredict.ai/tools/paycheck-calculator/georgia) [Pennsylvania](https://www.teampredict.ai/tools/paycheck-calculator/pennsylvania) [Ohio](https://www.teampredict.ai/tools/paycheck-calculator/ohio) [New Jersey](https://www.teampredict.ai/tools/paycheck-calculator/new-jersey) [Michigan](https://www.teampredict.ai/tools/paycheck-calculator/michigan) [Virginia](https://www.teampredict.ai/tools/paycheck-calculator/virginia) [Colorado](https://www.teampredict.ai/tools/paycheck-calculator/colorado) [Massachusetts](https://www.teampredict.ai/tools/paycheck-calculator/massachusetts) [Oregon](https://www.teampredict.ai/tools/paycheck-calculator/oregon) I'm paid SalaryHourly Hourly rate (USD) Regular hours per week Overtime hours per week Paid at time and one-half. Work out my weekly hours from my shifts Days a week Hours at work a day Unpaid break (minutes) 40 paid hours a week: 40 regular and 0 overtime. Weekly ruleOvertime here is the federal rule: hours over 40 in a workweek, at time and one-half. Some states have overtime laws of their own, and the higher standard applies. Pay frequencyWeekly (52 paychecks a year)Every two weeks (26 a year)Twice a month (24 a year)Monthly (12 a year) Filing status on Form W-4Single or married filing separatelyMarried filing jointlyHead of household Form W-4 steps 2 to 4 Step 2 box is checked Two jobs with similar pay, or both spouses work. Take the overtime deduction on my Form W-4 Deductions Worksheet line 1b: the extra half of time and a half, up to $12,500 ($25,000 if married filing jointly) when total income is under $150,000 ($300,000 joint). Entered in Step 4(b). Children under 17 Step 3: $2,200 each. Other dependents Step 3: $500 each. Other income per year Step 4(a). Deductions per year Step 4(b). Extra withholding each paycheck (USD) Step 4(c). 401(k), % of pay 2026 limit $24,500. Health premiums per paycheck Pre-tax. HSA per paycheck 2026 limit $8,750. Take-home pay per paycheck $845.42 $1,000.00 gross · $154.58 withheld (15.5%) teampredict.ai/tools/hourly-paycheck-calculator Where this paycheck goes Gross pay $1,000.00 Federal income taxW-4 methodIRS Publication 15-T (2026) percentage method, worked from your Form W-4 entries. \- $78.08 Social Security6.2%To $184,500Social Security tax stops once your pay for the year reaches the $184,500 wage base. \- $62.00 Medicare1.45% \- $14.50 Additional Medicare0.9%Over $200,000Withheld on pay above $200,000 in a calendar year, whatever your filing status. \- $0.00 Texas income taxNo wage taxTexas taxes no wages, so nothing is withheld for the state. \- $0.00 401(k)Pre-taxSkips federal income tax, but Social Security and Medicare still apply. \- $0.00 Health premiumsPre-taxThrough a cafeteria plan, these skip income tax, Social Security and Medicare. \- $0.00 HSA \- $0.00 Take-home pay$845.42 Over the year, 52 paychecks Gross pay $52,000 Taxes \- $8,038 Pre-tax deductions \- $0 Share kept 84.5% Take-home pay$43,962 Copy resultsCopy link _Figure: Bar chart of the year's gross pay of $52,000. Federal income tax: $4,060; Social Security: $3,224; Medicare: $754; Texas income tax: $0; Take-home pay: $43,962._ _Figure: Line chart of yearly take-home pay against gross pay, from $0 to $100,000, with the same filing status and deductions as the calculator. The dashed line is gross pay. At $52,000 gross, take-home is $43,962._ ## This pay costs the employer $56,263 a year, $1,081.98 each pay period. What the employer adds, per year Employer Social Security6.2% to $184,500 $3,224 Employer Medicare1.45% $754 Federal unemployment (FUTA)0.6% of the first $7,000No credit cut6.0% less a 5.4% credit. The Labor Department's September 2026 list of states that may lose part of that credit names only California and the Virgin Islands. $42 Texas unemployment2.7% of the first $9,000New employer rateA new Texas employer pays 2.70% in 2026, in every industry, on the first $9,000 of each employee's pay. $243 Employer taxes$4,263 Total cost of the employee Gross pay $52,000 Employer taxes \+ $4,263 Per pay periodYearly averageUnemployment taxes stop at their wage bases, so the first paychecks of the year cost more than the last. $1,081.98 Per year$56,263 See which of your own people may be leaving, before they hand in notice. [Start 30-Day Free Trial](https://app.teampredict.ai/signup) ## A 40-hour week at $25.00 an hour pays $1,000.00 and takes home $845.42 in Texas. Here is the week the calculator opens on: a single worker on a standard Form W-4, paid every week, in a state that takes no income tax from wages. - Gross pay: 40 hours × $25.00 = $1,000.00 - Federal income tax: $78.08 - Social Security: 6.2% × $1,000.00 = $62.00 - Medicare: 1.45% × $1,000.00 = $14.50 - Texas income tax: $0.00 - Take-home pay: $845.42, which is 84.5% of the gross The federal figure follows the four withholding steps explained on the [paycheck calculator](https://www.teampredict.ai/tools/paycheck-calculator) page. Change the state above and only the state lines change. ## An overtime hour pays $37.50 at $25.00 an hour and leaves about $29.17 after tax. The Department of Labor says the Fair Labor Standards Act requires covered, nonexempt employees to be paid at least one and one-half times their regular rate for the hours over 40 in a workweek. A workweek is a fixed period of 168 hours, seven days in a row, that can begin on any day, and hours are never averaged over two or more weeks. A 50-hour week is therefore 40 × $25.00 + 10 × $37.50 = $1,375.00 before tax and $1,137.12 after it, which is $291.70 more than the 40-hour week. _Figure: Bar chart of one week of pay at $25.00 an hour, single, paid weekly. 30 hours: $750.00 gross, $644.54 take-home; 35 hours: $875.00 gross, $744.98 take-home; 40 hours: $1,000.00 gross, $845.42 take-home; 45 hours: $1,187.50 gross, $996.07 take-home; 50 hours: $1,375.00 gross, $1,137.12 take-home; 60 hours: $1,750.00 gross, $1,400.93 take-home._ Invented example at $25.00 an hour, single, a standard Form W-4, no state income tax. Hours over 40 are paid at time and one-half. One week at $25.00 an hour for a single worker on a standard Form W-4, paid every week, in a state with no income tax. Payroll tax is Social Security plus Medicare. Paid hours Gross pay Federal tax Payroll tax Take-home 30 $750.00 $48.08 $57.38 $644.54 35 $875.00 $63.08 $66.94 $744.98 40 $1,000.00 $78.08 $76.50 $845.42 455 overtime $1,187.50 $100.58 $90.85 $996.07 5010 overtime $1,375.00 $132.69 $105.19 $1,137.12 6020 overtime $1,750.00 $215.19 $133.88 $1,400.93 Overtime is not taxed at a special rate. Publication 15 says overtime pay is subject to Social Security, Medicare and federal income tax withholding like any other pay. Withholding treats each paycheck as if it repeated all year, though, so a bigger paycheck is withheld at a bigger share: 9.7% of the 50-hour week goes to federal income tax, against 7.8% of the 40-hour week. Whatever was withheld too much comes back when you file. Extra pay for weekend or night hours is a matter of agreement with your employer, not a federal rule. Some states have overtime laws of their own, and the employee gets whichever standard pays more. The planner splits at 40 hours a week; if your state counts overtime by the day, type your own overtime hours, or use the [overtime calculator](https://www.teampredict.ai/tools/overtime-calculator), which handles California's daily overtime and double time. ## Five 8-hour days with a 30-minute unpaid meal pay for 37.5 hours, not 40. Federal law does not require lunch or coffee breaks. When an employer gives a short break, usually about 5 to 20 minutes, it counts as paid time and counts toward overtime. A meal period of 30 minutes or more is not work time and is not paid, as long as you are completely relieved from duty: someone who eats at the desk and answers the phone is working and has to be paid for it. The week's paid hours and pay at $25.00 an hour, against a full 40-hour week. Shift Paid hours Gross pay Against 40 hours Five days of 8½ hours at work, a 30-minute unpaid meal 40 $1,000.00 Same Five days of 8 hours at work, a 30-minute unpaid meal 37.5 $937.50 \-$62.50 Five days of 8 hours at work, an hour unpaid 35 $875.00 \-$125.00 Four days of 10 hours at work, a 30-minute unpaid meal 38 $950.00 \-$50.00 Three days of 12 hours at work, a 30-minute unpaid meal 34.5 $862.50 \-$137.50 To be paid for 40 hours on five days with a 30-minute meal, a shift runs 8½ hours at work. The planner in the calculator does this sum for you: enter the days a week, the hours at work and the unpaid minutes, and it fills in the regular and overtime hours. ## Seven 12-hour shifts in a row pay 44 hours at time and one-half, because each workweek is counted on its own. Four 12-hour shifts are 48 paid hours, 8 of them overtime, and pay $1,300.00 against $1,000.00 for five 8-hour shifts. Three 12s are 36 hours and no overtime at all. _Figure: Bar chart of the average gross pay of a week for 6 work patterns at $25.00 an hour. Five 8-hour shifts: $1,000.00; Four 10-hour shifts: $1,000.00; Three 12-hour shifts: $900.00; Four 12-hour shifts: $1,300.00; The 2-2-3 rotation: $1,100.00; Seven on, seven off: $1,325.00._ Overtime is worked out week by week, so a rotation with a long week and a short week pays more than its average hours suggest. A rotation that averages 42 hours still pays week by week. Seven on and seven off pays $2,650.00 in the week you work and nothing in the week off, an average of $1,325.00 a week, where 42 averaged hours would pay only $1,075.00. Pay at $25.00 an hour for each pattern. Every workweek stands alone, so overtime is worked out week by week and never averaged. The last two rows assume the employer's workweek begins on the day that gives the weeks shown. Pattern Paid hours a week Overtime a week Average week Five 8-hour shifts 40 0 $1,000.00 Four 10-hour shifts 40 0 $1,000.00 Three 12-hour shifts 36 0 $900.00 Four 12-hour shifts 48 8 $1,300.00 The 2-2-3 rotation 48 and 36 8 and 0 $1,100.00 Seven on, seven off 84 and 0 44 and 0 $1,325.00 Which days make up a workweek is the employer's choice, so a rotation can split one way or another. The Department of Labor also lists exceptions for police and firefighters and for employees of hospitals and nursing homes. Enter each kind of week into the calculator to see its paycheck. ## A year of 40-hour weeks at $25.00 an hour takes home about $43,962 however often you are paid. Only the size of each paycheck changes. The calculator spreads a 40-hour week over the paycheck: 86.67 hours twice a month and 173.33 hours a month (52 weeks × 40 hours, divided by 24 and by 12). A 40-hour week at $25.00 an hour, single, paid on each schedule, in a state with no income tax. Paid Gross a paycheck Take-home a paycheck Take-home a year Every week $1,000.00 $845.42 $43,962 Every two weeks $2,000.00 $1,690.85 $43,962 Twice a month $2,166.67 $1,831.75 $43,962 Once a month $4,333.33 $3,663.50 $43,962 ## The extra half in time and one-half is deductible up to $12,500, and the Form W-4 lets you collect it in each paycheck. For tax years 2025 through 2028, employees can deduct up to $12,500 ($25,000 if married filing jointly) of qualified overtime compensation on their return. That is the part of overtime pay above the regular rate, the “half” in time and one-half, that the Fair Labor Standards Act requires, and it applies when total income is under $150,000 ($300,000 if married filing jointly). Employers use an updated Form W-4 so the benefit arrives in each paycheck instead of at filing. At $25.00 an hour the extra half is $12.50 an hour. Ten overtime hours a week for 52 weeks is $12.50 × 10 × 52 = $6,500 to enter on line 1b of the Step 4(b) Deductions Worksheet. Federal withholding on the 50-hour week falls from $132.69 to $108.08, and the take-home pay rises from $1,137.12 to $1,161.73. $24.61 more every week$6,500 entered on the form Tick “Take the overtime deduction on my Form W-4” in the Form W-4 section of the calculator to see it in your own paycheck. Paid a bonus as well? The [bonus tax calculator](https://www.teampredict.ai/tools/bonus-tax-calculator) shows what is withheld from it in each state, and the [paycheck calculator](https://www.teampredict.ai/tools/paycheck-calculator) turns a salary into take-home pay. ## Methodology & sources The formula this calculator uses is shown in full above, and every assumption is an input you control. There are no hidden industry presets. All math runs in your browser; nothing you enter is stored or sent to a server. For the reasoning behind the formula and its edge cases, see: - [U.S. Department of Labor, Fact Sheet #23: overtime at time and one-half over 40 hours in a workweek, a fixed 168-hour workweek, no averaging](https://www.dol.gov/agencies/whd/fact-sheets/23-flsa-overtime-pay) - [U.S. Department of Labor, Breaks and Meal Periods: short breaks are paid, meal periods of 30 minutes or more are not](https://www.dol.gov/general/topic/workhours/breaks) - [U.S. Department of Labor, Fact Sheet #22: hours worked, rest periods and meal periods](https://www.dol.gov/agencies/whd/fact-sheets/22-flsa-hours-worked) - [U.S. Department of Labor, Overtime: state overtime laws and the higher standard](https://www.dol.gov/general/topic/workhours/overtime) - [IRS Publication 15 (2026), Employer's Tax Guide: overtime pay and withholding on qualified overtime compensation](https://www.irs.gov/pub/irs-pdf/p15.pdf) - [IRS Form W-4 (2026), Step 4(b) Deductions Worksheet, line 1b: qualified overtime compensation](https://www.irs.gov/pub/irs-pdf/fw4.pdf) - [IRS Publication 15-T (2026): Federal Income Tax Withholding Methods, Worksheet 1A](https://www.irs.gov/pub/irs-pdf/p15t.pdf) ## Frequently asked questions How do I calculate my paycheck from an hourly wage? Multiply your rate by your regular hours, add one and one-half times your rate for each overtime hour, then take out federal income tax, Social Security (6.2%), Medicare (1.45%) and your state's tax. At $25.00 an hour, 40 hours is $1,000.00 before tax and $845.42 after it in Texas. Pick your state in the calculator for your own figure. How is overtime pay worked out on an hourly paycheck? At least one and one-half times your regular rate for every hour over 40 in a workweek, according to the Department of Labor. At $25.00 an hour, an overtime hour pays $37.50, so a 50-hour week is 40 × $25.00 + 10 × $37.50 = $1,375.00. Only covered, nonexempt employees are owed overtime. Is overtime taxed at a higher rate? No special rate applies: overtime is taxed like the rest of your pay. A bigger paycheck is withheld at a higher rate, though, because withholding treats each paycheck as if it repeated all year. The 50-hour week has 9.7% of its gross withheld for federal income tax, against 7.8% for a 40-hour week, and you keep 82.7% of it against 84.5%. Any difference is settled when you file your return. Are unpaid breaks taken out of my hours? A meal period of 30 minutes or more is not work time and is not paid when you are completely relieved from duty, so five 8-hour days with a 30-minute unpaid meal are 37.5 paid hours, $937.50 at $25.00 an hour. Short breaks of about 5 to 20 minutes are paid and count toward overtime. Enter the days, the hours at work and the unpaid minutes in the planner to get the paid hours. How much do I make on 12-hour shifts? Three 12-hour shifts a week are 36 hours and pay $900.00 at $25.00 an hour. Four are 48 hours, 8 of them overtime, and pay $1,300.00. Enter the shifts you work in the planner and the overtime is split off for you. Does the pay schedule change how much I take home in a year? Not by more than a dollar or so. A 40-hour week at $25.00 an hour takes home about $43,962 a year whether you are paid every week ($845.42), every two weeks ($1,690.85), twice a month ($1,831.75) or monthly ($3,663.50). Do weekends and nights pay extra? Not by federal law. The Department of Labor says extra pay for weekend or night work is a matter of agreement between the employer and the employee. If your pay stub shows a different rate for those hours, enter the average hourly rate across the week. Can I deduct my overtime pay on my taxes? For tax years 2025 through 2028 you can deduct up to $12,500 ($25,000 if married filing jointly) of the extra half in time and one-half when your total income is under $150,000 ($300,000 jointly). A 2026 Form W-4 lets you enter an estimate, so the benefit shows up in each paycheck. With 10 overtime hours a week at $25.00 an hour it is $6,500 and $24.61 more every week. ## Turnover is cheaper to prevent than to calculate. TeamPredict flags resignation risk early from public LinkedIn signals, giving you lead time to retain your best people before they hand in notice. [Start 30-Day Free Trial](https://app.teampredict.ai/signup) No charge today · Cancel anytime ## Keep reading [Paycheck Calculator Take-home pay in all 50 states and DC from a salary or an hourly rate, with the employer's cost. Read more](https://www.teampredict.ai/tools/paycheck-calculator) [Overtime Calculator Time and a half on every hour over 40, worked out from your hourly rate. Read more](https://www.teampredict.ai/tools/overtime-calculator) [Hourly to Salary Calculator Turn an hourly wage into a yearly salary and paycheck figures, or a salary back into an hourly rate. Read more](https://www.teampredict.ai/tools/hourly-to-salary-calculator)