Salary Calculator
Convert an annual salary into hourly, weekly and monthly take-home pay after tax and deductions. Results update instantly as you type.
Your details
Estimated take-home / month
How to use this calculator
Enter your annual salary and pay frequency.
Set your effective tax rate and any pre-tax deductions.
Read your monthly take-home pay, plus the hourly and weekly equivalents.
Understanding your results
Your gross pay is the full amount you earn before anything is taken out. Federal income tax, state tax, and pre-tax deductions (like health insurance and retirement contributions) reduce that to your take-home pay — the amount that actually reaches your bank account. Understanding this split helps you budget realistically and compare job offers on equal footing. If you're planning a major purchase, pair this with the mortgage calculator to see how much house your net income can support, or use the savings calculator to set aside part of each paycheck.
What factors affect your take-home pay
Tax rate
A higher effective tax rate reduces your take-home pay.
Pay frequency
Pay frequency changes your paycheck size, not your annual total.
Deductions
Pre-tax deductions lower your taxable income and take-home pay.
Worked examples
Annual to monthly
$60,000 per year
$5,000 gross per month
Hourly equivalent
40 hours per week
About $28.85 per hour gross
Frequently asked questions
What is take-home pay?
Take-home pay is your earnings after tax and pre-tax deductions are removed — the amount that actually reaches your bank account.
How is tax calculated?
The calculator applies your effective tax rate to your gross pay. Your effective rate is the average you actually pay, not your top marginal bracket.
What counts as a pre-tax deduction?
Retirement contributions, health insurance premiums and similar payroll deductions that are taken before income tax is applied.
How does pay frequency change the result?
Your annual salary is the same regardless of frequency, but the amount per paycheck changes. We show the monthly equivalent for easy comparison.
Is this my exact pay?
No. CalcPilot gives planning estimates only. Use a licensed payroll provider for real figures.
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Disclaimer
CalcPilot's calculations are estimates for planning purposes only. They are not financial, legal, or tax advice. Consult a qualified professional before acting on any result.