Income & Paycheck calculators
Turn a salary into real take-home pay.
Your salary and your take-home pay are two very different numbers. The calculators here turn a headline figure into what actually lands in your account — your net paycheck for any pay frequency, your hourly take-home including overtime, and quick conversions between salary and hourly rates.
They also answer the questions that come up around payday: how much of a bonus you keep after tax, what overtime adds over a year, whether a pay raise actually beats inflation, and what a freelancer or contractor really takes home after self-employment tax. Each uses current official tax tables for the US, UK, Canada, and Australia.
For the full walkthrough, see how to calculate take-home pay and how overtime and bonuses are taxed.
8 income & paycheck calculators
Paycheck calculator
Gross to net take-home
Hourly paycheck
Hourly rate to take-home pay
Salary to hourly
Convert pay both ways
Pay raise calculator
New salary & real increase
Overtime pay calculator
Time-and-a-half & double time
Bonus take-home
What you keep after tax
Freelancer take-home
Self-employment net pay
50/30/20 budget
Needs, wants & savings split
Guides on income & paycheck
How to Calculate Take-Home Pay
Step-by-step gross-to-net walkthrough for employees and freelancers.
8 min read
Self-Employment Tax Explained
How the 15.3% SE tax works, what deductions apply, and quarterly payment planning.
9 min read
Overtime and Bonus Pay
How overtime premiums and bonuses are calculated and taxed — and why your take-home is lower than the headline.
9 min read
$25 an Hour Is How Much a Year? Every Hourly Rate, Explained
The 2,080-hour rule, a full conversion table from $12 to $75 an hour, and what's actually left after tax.
9 min read
The 50/30/20 Budget Rule, Explained
How to split take-home pay into needs, wants, and savings — with examples and when to bend the rule.
7 min read
Why Is My Bonus Taxed So Much?
Why your bonus take-home looks small — flat supplemental withholding vs. your real marginal rate, and what you actually keep.
7 min read
Take-Home Pay in the US, UK, Canada & Australia
Why the same salary leaves you with very different net pay in each country — what's deducted, and how to find your exact figure.
8 min read
Your First Paycheck: A Money Guide for New Earners
How to read your payslip, what to do with your first real income, and the habits that set up everything that follows.
8 min read
Popular scenarios
Pre-calculated answers for the most common questions.