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Wage & Overtime Engine•2026 Tax Year

Hourly Paycheck & Take-Home Pay Calculator (2026)

Whether you work standard 40-hour weeks, variable part-time schedules, or accumulate overtime, this calculator computes your exact take-home pay after federal taxes, FICA withholdings, state taxes, and benefit deductions.

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Paycheck Calculator AI — 2026 Take-Home Pay Estimate

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Paycheck Details• 2026 Tax Year

$
1.5x Rate
W-4 Step 3 • $2,000 / child

Claiming qualifying dependents on IRS Form W-4 directly lowers federal tax withholding by $2,000 per child under 17, increasing take-home pay per check.

Advanced Options & Deductions401(k), HSA, Health, Overtime

Overtime (Hourly)

Pre-Tax Deductions

Reduces taxable income

2026 IRS limit: $23,500 ($31k if 50+)

$

Per paycheck extra withholding (W-4 Line 4c)

Post-Tax Deductions

Deducted after taxes

How 2026 Federal Brackets Work

The US uses progressive tax brackets. Your taxable income is taxed in chunks at rates from 10% to 37% after standard deductions ($15,000 Single / $30,000 MFJ). Moving into a higher bracket only taxes the income within that higher band.

Results Breakdown
Estimated Take-Home Pay0.0% effective tax
$0per paycheck
Gross: $0Total Deductions: $0
Gross Earnings$0
Federal Income Tax$0
State Income Tax$0
Social Security (OASDI)$0
Medicare (HI)$0
Pre-Tax Deductions$0
Post-Tax Deductions$0
Total Deductions$0
Tax Year: 2026Estimated calculation

Visual Breakdown

Interactive Chart
Paycheck Breakdown Donut ChartVisual distribution of take-home pay, federal taxes, state taxes, FICA taxes, and deductions.
72%Take-Home
Take-home pay accounts for approximately 72% of gross income.
Take-Home$0
Federal Tax$0
State Tax$0
Social Security$0
Medicare$0
Pre-Tax$0
Post-Tax$0
Estimated Take-Home
$0.00/ biweekly
Breakdown ↓

Hourly to Salary Conversion Formula

To convert an hourly pay rate to an equivalent annual salary assuming full-time employment (2,080 hours per year):

Annual Gross = Hourly Rate × Hours Per Week × 52 Weeks

Example: $30.00/hr × 40 hrs × 52 = $62,400 per year before taxes and deductions.

Overtime Pay Calculations

Overtime pay is earned for hours exceeding 40 per week under federal FLSA regulations. Standard overtime is paid at 1.5 times your regular rate:

Overtime Pay = Hourly Rate × 1.5 × Overtime Hours

Certain union contracts or holiday policies mandate double time (2.0x), which you can configure in Advanced Options.

Frequently Asked Questions About Hourly Pay & Taxes

How do you calculate annual gross pay from an hourly wage?
Multiply your hourly wage by the regular hours worked per week, then multiply by 52 weeks. For example, $25/hour at 40 hours/week is $1,000/week, or $52,000 gross per year before overtime.
How does overtime pay work under federal law?
Under the federal Fair Labor Standards Act (FLSA), non-exempt employees must receive overtime pay for hours worked over 40 in a workweek at a rate not less than time-and-a-half (1.5x) their regular rate of pay.
Are overtime hours taxed at a higher tax rate?
Overtime pay is taxed as regular earned income. However, because overtime increases your total earnings in a given pay period, your payroll system may withhold taxes as though you earn that higher annualized income every pay period. Any excess withholding is refunded when filing your tax return.
What is the federal minimum wage in 2026?
The federal minimum wage remains $7.25 per hour, but more than 30 US states and dozens of cities enforce higher state or municipal minimum wage rates ranging from $14.00 to over $17.00 per hour.
How do pre-tax deductions affect an hourly paycheck?
Contributions to a traditional 401(k), health insurance, HSA, or FSA reduce both your federal and state taxable hourly wages, lowering the total tax withheld from your check.