$Paycheck Calculator.
Updated for tax year 2026

Hourly Paycheck Calculator

Hourly rate, hours a week, overtime if you work it, and your state. Uses 2026 federal rates.

$/ hr
hrs
hrs

Paid at 1.5× your rate

$

401(k), HSA, health insurance premiums

Estimated take-home pay

$1,498.01

per bi-weekly paycheck · $38,948 / year

Gross pay
$1,760.00
Federal income tax
− $127.35
Social Security · 6.2%
− $109.12
Medicare · 1.45%
− $25.52
Florida state income tax
$0.00
Net pay
$1,498.01

Effective tax rate

14.9%

Marginal bracket

12.0%

Uses the 2026 federal brackets, standard deduction and FICA rates. Your pay stub may differ by a few dollars because payroll rounds through the IRS withholding tables.

FAQ

Frequently asked questions

How is overtime taxed?+

The same as regular wages. Overtime is 1.5× your rate for hours past 40 in a week under the federal FLSA, and the IRS doesn't care whether a dollar came from hour 30 or hour 50. A big overtime check does get more withheld, because payroll assumes you earn that much every period. You get the difference back at tax time.

How much is $20 an hour after taxes?+

$41,600 a year at 40 hours a week. In a no-tax state like Florida or Texas, a single filer with no deductions nets about $1,370 every two weeks. In California the same wage nets about $1,320, and in New York roughly $1,305, because of state income tax.

Do all states require overtime pay?+

Federal law requires time and a half past 40 hours in a workweek for non-exempt workers, in every state. A few states go further: California, Alaska, Nevada and Colorado also pay daily overtime past 8 or 12 hours in a shift.

All 50 states + DC

Paycheck calculators by state