Hourly Paycheck Calculator: take-home pay after taxes (2026)
At $20 an hour for 80 hours, single and paid biweekly, estimated take-home is $1,369.45, including $108.15 in federal withholding. No W-4 adjustments or other deductions.
State and local income taxes and other deductions are not included. This is an estimate of withholding, not the tax owed for the year. IRS Tax Withholding Estimator
Show the math — Worksheet 1A
1c: Annualised taxable wages
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1g: Standard W-4 adjustment
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1i: Adjusted annual wages
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2g: Tentative annual withholding
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2h: Tentative withholding per period
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3c: Withholding after credits (not below zero)
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4b: Final withholding per paycheck
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Table row used
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The annual amount repeats this paycheck; it does not forecast later wage-base changes or different hours. W-4 from 2020 or later; not an exemption-from-withholding calculator. Overtime hours must be identified by workweek before entering period totals.
For general information only. This calculator is not legal or tax advice.
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P.L. 119-21, tax years 2025–2028: qualified overtime compensation may qualify for a deduction up to $12,500.00 ($25,000.00 married filing jointly), and qualified tips up to $25,000.00. Qualified overtime is the premium above regular pay required under FLSA section 7, not all overtime wages. These deductions are claimed on the return or accounted for through an updated W-4 Step 4(b); the payroll tables still apply. Eligibility limits apply.
2026 Annual Percentage Method — STANDARD schedules
Single or married filing separately
At least ($)
Less than ($)
Base tax ($)
Percent of excess
$0.00
$7,500.00
$0.00
0%
$7,500.00
$19,900.00
$0.00
10%
$19,900.00
$57,900.00
$1,240.00
12%
$57,900.00
$113,200.00
$5,800.00
22%
$113,200.00
$209,275.00
$17,966.00
24%
$209,275.00
$263,725.00
$41,024.00
32%
$263,725.00
$648,100.00
$58,448.00
35%
$648,100.00
No upper limit
$192,979.25
37%
Married filing jointly
At least ($)
Less than ($)
Base tax ($)
Percent of excess
$0.00
$19,300.00
$0.00
0%
$19,300.00
$44,100.00
$0.00
10%
$44,100.00
$120,100.00
$2,480.00
12%
$120,100.00
$230,700.00
$11,600.00
22%
$230,700.00
$422,850.00
$35,932.00
24%
$422,850.00
$531,750.00
$82,048.00
32%
$531,750.00
$788,000.00
$116,896.00
35%
$788,000.00
No upper limit
$206,583.50
37%
Head of household
At least ($)
Less than ($)
Base tax ($)
Percent of excess
$0.00
$15,550.00
$0.00
0%
$15,550.00
$33,250.00
$0.00
10%
$33,250.00
$83,000.00
$1,770.00
12%
$83,000.00
$121,250.00
$7,740.00
22%
$121,250.00
$217,300.00
$16,155.00
24%
$217,300.00
$271,750.00
$39,207.00
32%
$271,750.00
$656,150.00
$56,631.00
35%
$656,150.00
No upper limit
$191,171.00
37%
Take-home at different hourly rates
40 hours a week, single, biweekly; no overtime, W-4 adjustments, retirement deferral or year-to-date wages.
Hourly rate ($)
Gross pay
Federal income tax withholding
Take-home per paycheck
$15.00
$1,200.00
$60.15
$1,048.05
$20.00
$1,600.00
$108.15
$1,369.45
$25.00
$2,000.00
$156.15
$1,690.85
$30.00
$2,400.00
$204.15
$2,012.25
How it works
Gross = hourly rate × (regular hours + overtime hours × overtime multiplier). Worksheet 1A annualises income-tax wages, applies W-4 adjustments and the annual table, divides by pay periods, subtracts annual credits per period, then adds extra withholding. Take-home = gross − retirement deferral − federal withholding − Social Security − Medicare − Additional Medicare. Only final federal withholding is rounded; each FICA tax is rounded separately to cents, half up.
Worked examples
Single, biweekly: $20 × 80 hours = $1,600.00 gross; $108.15 federal withholding; $1,369.45 take-home.
Married filing jointly, weekly: $25 × 40 regular hours + 5 overtime hours at 1.5× = $1,187.50 gross; $58.65 federal withholding; $1,038.00 take-home.
Head of household, semimonthly: $18 × 86.67 hours = $1,560.06 gross; adjusted annual wages $28,841.44; $55.38 federal withholding; $1,385.34 take-home.
Common questions
Is overtime taxed more?
There is no separate overtime tax rate in this calculation. Withholding uses the period’s total wages. A larger paycheck can reach a higher table row; final annual tax is based on annual taxable income, regardless of when you earned it.
Why is my federal withholding different?
Your W-4 filing status, Step 2 box, credits, other income, deductions and extra withholding change the result, as do pre-tax deferrals and payroll rounding. State taxes affect take-home separately. Compare your pay stub and W-4.
What is FICA?
FICA includes Social Security and Medicare payroll taxes. Social Security has an annual wage base. Medicare applies to all wages, with Additional Medicare withholding above the employer withholding threshold, regardless of filing status.
What about state income tax?
This tool does not include state or local income taxes, health premiums or other payroll deductions. Subtract those separately to compare with your deposited paycheck.
Does “no tax on overtime or tips” remove payroll withholding?
No. For 2025–2028, P.L. 119-21 provides deductions for qualified overtime compensation and qualified tips on the tax return. An updated W-4 can account for an expected deduction through Step 4(b). Employers still use the withholding procedures, and these wages generally remain subject to Social Security and Medicare.
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