Turn any hourly rate into annual, monthly, and biweekly salary — with overtime, unpaid leave, and a side-by-side offer comparison.
Enter your hourly wage, hours per week, and weeks worked per year. The calculator handles overtime at any multiplier and lets you compare two rates side-by-side — useful for evaluating a raise or a new job offer.
Every figure derived from the same annual gross. Useful for budgeting and offer comparisons.
Direct answers to the most common questions, in plain language. Skim if you're in a hurry; dig deeper below.
Multiply hourly rate × hours/week × weeks worked/year.
The formula is straightforward: hourly rate × hours per week × weeks worked per year. At 40 hours/week for all 52 weeks, $25/hr works out to $52,000/yr. Add overtime on top: overtime hours × rate × multiplier (usually 1.5).
At 40 hrs/week, 52 weeks, yes — $25/hr equals $52,000.
$25/hr × 40 hrs × 52 weeks = $52,000/yr, which beats a flat $50,000 salary. The gap grows if the hourly role includes overtime. However, salaried jobs sometimes include benefits that hourly roles don't.
Every unpaid week directly reduces your annual gross.
If you take 2 weeks of unpaid leave, you work 50 weeks instead of 52. At $30/hr and 40 hours/week, that's $2,400 less per year. Use the "weeks worked" input to model exactly how many paid weeks your situation has.
At 1.5x and 5 OT hours/week, it adds roughly 18% to base pay.
Five overtime hours per week at 1.5x time-and-a-half adds 7.5 regular-rate hours per week of extra pay. Over 52 weeks that's 390 extra "equivalent" hours — about 18% on top of a standard 40-hour annual total.
The mechanics in short answers — no jargon, no upsell.
The core formula multiplies your hourly rate by actual hours per week, then by the number of weeks you're paid. Unpaid leave weeks are excluded, so your annual figure reflects reality.
Overtime hours per week get multiplied by your rate and your multiplier (1.5x is federal law for most workers). The result is added to regular pay to get total gross.
Monthly = annual ÷ 12. Biweekly = annual ÷ 26. Semimonthly = annual ÷ 24. Weekly = annual ÷ weeks worked. Daily = annual ÷ (weeks × 5). All derived from the same base.
The tool applies the 2026 federal income tax brackets (single filer, standard deduction) plus Social Security and Medicare to produce an estimated effective rate. State taxes, 401(k), and benefits are not included — treat this as a floor, not a paystub.
Designed so anyone can model their situation in under a minute, with or without a finance background.
Side-by-side columns show two hourly rates — current pay vs. a job offer — so the better deal is obvious before you negotiate.
Set actual weeks worked, not an assumed 52. PTO, unpaid leave, and seasonal gaps all reduce annual gross in ways a simple formula misses.
Enter overtime hours and your multiplier separately so the real total compensation shows up, not just base pay.
Annual, monthly, biweekly, weekly, daily, and per-paid-hour — computed from the same inputs, consistent with how payroll actually works.
A simplified federal + FICA effective-rate calculation gives you a ballpark net, useful for budgeting before you have an exact paystub.
Generate a link that encodes your inputs so a partner, accountant, or recruiter can see the exact same numbers you see.
Everything you might ask before, during, or after using this tool.
Multiply your hourly rate by 40 hours per week, then by 52 weeks per year. This gives you 2,080 total hours — the US standard for a full-time employee. For example, $20/hr × 2,080 = $41,600/yr. If you work fewer weeks or different hours, adjust those inputs accordingly.
Yes, if you enter overtime hours and a multiplier. The tool computes regular pay and overtime pay separately, then sums them into annual gross. The chart breaks out how much of your total income comes from overtime versus base pay.
Paid time off and paid holidays count as paid weeks, so they're already included in your "weeks worked per year" number. The "weeks worked" input is really "weeks you receive a paycheck." Only unpaid leave reduces the total — if you have 2 weeks of unpaid leave, set weeks to 50.
The estimate applies 2026 federal income tax brackets for a single filer taking the standard deduction ($15,000), plus Social Security (6.2%) and Medicare (1.45%). It does not include state income tax, pre-tax deductions, or post-tax deductions. For a more precise number, use the Paycheck Calculator.
Biweekly pay is annual ÷ 26 (one paycheck every two weeks, 26 times per year). Weekly pay is annual ÷ your actual weeks worked. If you work fewer than 52 weeks, weekly pay is based on a shorter year while biweekly is always annual ÷ 26. Two weeks of weekly pay will only equal one biweekly paycheck if you work exactly 52 weeks.
The multiplier is how much more per hour you earn for overtime. Under the Fair Labor Standards Act, most US workers must receive at least 1.5x (time-and-a-half) for hours over 40 per week. Some employers pay double time (2x) for certain shifts. Salaried exempt employees typically have no overtime multiplier at all.
Enter your hourly rate in the first column and back-calculate the equivalent hourly rate for the salary in the second column (salary ÷ 2,080 for a standard 40-hour year). The comparison table will show every pay period side-by-side. Don't forget that salaried roles may include benefits that change the real value of the comparison.
Yes. Set hours per week to whatever you actually work — 20, 25, or any other number — and the tool recalculates every figure. Part-time workers often have fewer than 52 paid weeks too; adjust that input as needed. The only limitation is the take-home estimate, which uses a single-filer assumption regardless of income level.
Other Lazysmirk tools that pair well with this one.
Convert any salary to hourly, daily, weekly, biweekly, or monthly pay. Model raises, compare inflation-adjusted pay, and see the real per-hour rate when you work overtime.
Calculate your real take-home pay after federal, state, and FICA taxes. Includes 401(k), HSA, health insurance, and other pre-tax deductions.
Estimate your 2026 federal tax refund. Standard or itemized deductions, 401(k) and HSA adjustments, Child Tax Credit, and full bracket breakdown.
Compare cost of living between any two US cities. Housing, groceries, transport, healthcare, utilities, and state income tax in one view.
Calculate how much you need to retire, when you can retire, and whether your current savings rate will get you there. Inflation-adjusted, with Social Security.
The core math is: annual gross = (hourly rate × regular hours per week × weeks worked per year) + (hourly rate × overtime multiplier × overtime hours per week × weeks worked per year). That's it.
The part people get wrong is "weeks worked per year." The number is almost never 52. If you have two weeks of unpaid leave, use 50. If your contract is a 10-month school-year job, use about 43. The formula is only accurate when the weeks input matches reality.
Overtime at 1.5x is not just a 50% boost to a few hours — it compounds into a meaningful share of annual income. Five OT hours per week over 52 weeks at 1.5x adds 390 equivalent regular-rate hours to your year. On a $20/hr base, that's $7,800 extra annually — about 19% more than the same job without overtime.
Double-time overtime (2x) on even a few hours per week can make an hourly job outpay a salaried position with the same nominal rate. Always run the numbers before accepting a salaried role that eliminates your eligibility for overtime.
When comparing two offers, convert everything to the same basis. A $35/hr contract role and a $65,000 salaried position look close until you factor in: the contract has no paid holidays (subtract 10 days = $2,800 at 8 hrs/day), and the salaried role includes a $600/month health plan ($7,200/yr of non-cash compensation). Now the real gap is much larger.
The comparison column in this calculator shows you the same offer side-by-side across every pay period. That makes it easy to spot whether a biweekly check or monthly draw changes how comfortable the cash flow feels, beyond just the annual number.
The gap between gross and net comes from four main categories: federal income tax (varies by taxable income), FICA (7.65% for most workers: 6.2% Social Security + 1.45% Medicare), state income tax (0% in Texas, Florida, and several others; up to 9.9% in Oregon), and pre-tax deductions (401(k), health insurance, FSA/HSA).
This tool's take-home estimate covers only federal income tax and FICA. If you live in a high-tax state or have significant pre-tax deductions, the real net will differ. For a full calculation with state taxes and deductions, the Paycheck Calculator is the right tool.
Paid time off does not reduce annual income — it's called "paid" for a reason. If you have 15 days of PTO and 10 paid holidays, all 52 weeks count. If any of your time off is unpaid, those weeks come out of your annual total.
Seasonal workers, contractors between gigs, and anyone on an academic-year schedule should be especially careful here. A teacher working a 10-month school year earns a different annual income than 12 months × monthly salary would suggest — and hourly gig workers should subtract any weeks between contracts.
Two short notes worth reading before you trust any number on this page.
Your loan amount, rate, and prepayment inputs never leave your device. No accounts, no cookies on your numbers, no analytics on the values you type. Disconnect from the internet and it still works.
We are not a bank, NBFC, advisor, broker, or distributor of any financial product. The numbers shown here are estimates for educational purposes only, based on the inputs you provide.
Results are not financial, legal, or tax advice. Please consult a qualified professional before any decision about your loan, investments, or personal finances. Actual loan terms and charges depend on your bank and individual circumstances.
