Enter your hourly pay and see exactly what you take home — per hour, per week, and per year after federal, FICA, and state taxes.
A $25/hr job sounds like $52,000/year — but after federal income tax, Social Security, and Medicare, you keep closer to $39,000–$44,000 depending on your state. That's an effective hourly rate of $18.81–$21.14/hr. This calculator shows your real numbers.
Federal brackets per IRS Rev. Proc. 2025-32. SS wage base $184,500 (SSA.gov). State rates are approximate marginal rates for illustrative purposes.
| Gross Annual Income | $0 |
| Federal Income Tax | $0 |
| FICA Taxes | $0 |
| ↳ Social Security (6.2%) | $0 |
| ↳ Medicare (1.45%) | $0 |
| State Income Tax | $0 |
| Total Taxes | $0 |
| Annual Take-Home Pay | $0 |
Based on your selected filing status and state. Your entered wage is highlighted.
| Hourly Wage | Annual Gross | Annual Take-Home | Eff. Rate | $/hr after tax |
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Multiply your hourly wage by your hours per week, then multiply by 52. For a standard full-time schedule: $25/hr × 40 hours × 52 weeks = $52,000 gross annual salary. But your take-home pay is lower after federal income tax, Social Security, Medicare, and any state income tax.
It depends on your income, filing status, and state. At $25/hr (full-time, single, no state tax), you keep roughly $19.50/hr after federal income tax and FICA. In a high-tax state like California, it's closer to $17.50/hr. This calculator shows your exact effective take-home hourly rate.
Three main taxes: (1) Federal income tax — 10% to 37% depending on your total annual income and filing status; (2) FICA — Social Security at 6.2% on wages up to $184,500, and Medicare at 1.45% on all wages; (3) State income tax — ranges from 0% (Texas, Florida, etc.) to over 13% (California top bracket). Most hourly workers in the $15–$30/hr range pay a 22–28% combined effective rate.
At $20/hr full-time (40 hrs/week), you earn $41,600 gross. As a single filer with no state income tax, you take home approximately $35,600/year — about $2,967/month or $17.12/hr effective. In a state with income tax, take-home is a few hundred to over a thousand dollars less per year depending on the state rate.
At $15/hr full-time, you earn $31,200 gross. As a single filer with no state income tax, you take home roughly $27,250/year ($2,271/month) after federal tax and FICA. The effective hourly after-tax rate is about $13.10/hr. With state income tax, subtract another $500–$1,500/year depending on your state rate.
Yes — higher annual income means more of your income may fall into higher federal tax brackets. However, only the income above each bracket threshold is taxed at the higher rate. Working 50 hours per week versus 40 hours per week can push your gross from $52,000 to $65,000, potentially moving some income from the 22% bracket into the 22% bracket or toward 24%. This calculator adjusts automatically when you change your hours per week.
Your employer pays you your full hourly rate, but withholds taxes before the money reaches you. Federal income tax alone ranges from 10–22% for most hourly workers. Add 7.65% for FICA (Social Security + Medicare), and potentially 2–9% for state income tax, and your effective take-home rate can be 20–35% lower than your gross hourly wage.
Gross hourly pay is your stated wage before any deductions. Net hourly pay (or effective hourly take-home) is what you actually keep after all taxes. For example, a $30/hr worker might have an effective net rate of $22–$24/hr depending on filing status and state — that's the number that determines what you can actually spend or save.