Your paycheck, translated
Gross pay is a rumor. Net pay is the truth.
Salary offers, raises, bonuses, freelance rates, contract gigs — every pay number that matters is the one that lands in your account. These calculators translate gross into net, compare offers honestly, and price your time.
Income calculators
- Take-home pay calculator
Gross salary → net paycheck, month, year. Effective rates + FICA.
- Overtime pay calculator
Regular / OT / double-time hours. Weekly gross, FLSA-style.
- Salary to hourly calculator
2080, 2040, or custom hours. Optional paycheck estimate.
- Freelancer rate calculator
Salary goal → required hourly rate, SE tax and benefits priced in.
- Day rate calculator
Annual take-home target → the day rate you must charge.
- Raise calculator
% or target salary → new pay and per-paycheck increase.
- Bonus after-tax calculator
Flat 22% federal withholding + state + FICA. The check you'll get.
- Commission calculator
Sales × rate + base. Total comp and what each deal is worth.
- 1099 vs W-2 calculator
Contract pay vs salary after SE tax, benefits, expenses.
Worked examples
- $120K target: what day rate?
$776/day worked through step by step.
- 5% raise on $75,000
$3,750/yr is $144 per paycheck.
- Time-and-a-half overtime
$22/hr × 40 + 8 OT worked example.
- $30/hr + 10 overtime hours
$1,650/week, $85,800 a year — worked.
- Salary ÷ 2080 hours
Why that full-time yardstick exists.
- $15/hr is how much a year?
$31,200 a year — full breakdown.
- $20/hr is how much a year?
$41,600 a year — full breakdown.
- $25/hr is how much a year?
$52,000 a year — full breakdown.
- $25/hr after taxes
Illustrative take-home: ~$39,182/yr.
- $25/hr monthly pay
Gross: $4,333.33/month — full breakdown.
- $30/hr is how much a year?
$62,400 a year — full breakdown.
- $40/hr is how much a year?
$83,200 a year — full breakdown.
- $50/hr is how much a year?
$104,000 a year — full breakdown.
- $5,000 bonus after tax
22% federal + state + FICA — the check you'll get.
- 5% commission on $200K in sales
$10,000 commission + $40,000 base — worked.
- $150K salary vs $180K contract
After SE tax and benefits — which actually pays more?
Frequently asked questions
Why is my bonus taxed so much?
Bonuses face flat 22% federal withholding (not your bracket), plus state and 7.65% FICA — so a $5,000 bonus nets roughly $3,268. The bonus calculator shows your number.
Is a 1099 contract better than a W-2 salary?
Only if the gross premium covers the 14.13% self-employment tax, your own benefits, and unpaid time off. The 1099 vs W-2 calculator prices all three.
How do I set my freelance rate?
Start from the salary you want to replace, add benefits and SE tax, then divide by billable hours — the freelancer rate calculator does exactly this.