Biweekly Pay Calculator
Free biweekly pay calculator. Convert annual salary to per-paycheck amounts with federal, state, FICA taxes, and deductions breakdown.
Weekly Pay Calculator
Free weekly pay calculator. Calculate net take-home pay after taxes with overtime, tips, and deductions. See paycheck breakdown, hours impact, and rate comparisons.
401(k), health, HSA weekly portion
Net Weekly Pay⧉
$663.08
Gross $880.00 − $216.92 deductions
Gross Weekly⧉
$880.00
Reg $880.00 + OT $0.00
Biweekly Net⧉
$1,326.16
Net weekly × 2
Monthly Net⧉
$2,873.35
Net weekly × 52 ÷ 12
Annual Net⧉
$34,480.16
Gross annual: $45,760.00
Effective Hourly⧉
$16.58
Net pay ÷ 40 hours
Weekly Pay Composition
Take-Home
FICA
Fed
State
Paycheck Breakdown
| Item | Amount |
|---|---|
| Regular Pay | $880.00 |
| Gross Pay | $880.00 |
| Social Security (6.2%) | $54.56 − |
| Medicare (1.45%) | $12.76 − |
| Federal Tax (12%) | $105.60 − |
| State Tax (5%) | $44.00 − |
| Net Weekly Pay | $663.08 |
Hours Worked Impact
| Hours | Reg/OT | Gross | Net | Eff. Hourly |
|---|---|---|---|---|
| 20 | 20/0 | $440.00 | $331.54 | $16.58 |
| 25 | 25/0 | $550.00 | $414.43 | $16.58 |
| 30 | 30/0 | $660.00 | $497.31 | $16.58 |
| 35 | 35/0 | $770.00 | $580.20 | $16.58 |
| 40 | 40/0 | $880.00 | $663.08 | $16.58 |
| 45 | 40/5 | $1,045.00 | $787.41 | $17.50 |
| 50 | 40/10 | $1,210.00 | $911.73 | $18.23 |
| 55 | 40/15 | $1,375.00 | $1,036.06 | $18.84 |
| 60 | 40/20 | $1,540.00 | $1,160.39 | $19.34 |
Rate Comparison (Same Hours)
| Rate | Weekly Gross | Weekly Net | Annual Net |
|---|---|---|---|
| $7.25 | $290.00 | $218.52 | $11,362.78 |
| $10.00 | $400.00 | $301.40 | $15,672.80 |
| $12.00 | $480.00 | $361.68 | $18,807.36 |
| $15.00 | $600.00 | $452.10 | $23,509.20 |
| $18.00 | $720.00 | $542.52 | $28,211.04 |
| $20.00 | $800.00 | $602.80 | $31,345.60 |
| $22.00 | $880.00 | $663.08 | $34,480.16 |
| $25.00 | $1,000.00 | $753.50 | $39,182.00 |
| $30.00 | $1,200.00 | $904.20 | $47,018.40 |
| $35.00 | $1,400.00 | $1,054.90 | $54,854.80 |
| $40.00 | $1,600.00 | $1,205.60 | $62,691.20 |
| $50.00 | $2,000.00 | $1,507.00 | $78,364.00 |
Planning notes, formulas, and examples
About the Weekly Pay Calculator
The Weekly Pay Calculator determines your exact take-home pay every week after federal tax, state tax, FICA, and deductions. Enter your hourly rate, hours worked, and tax rates to see precisely how much lands in your bank account each Friday.
For hourly workers, weekly pay varies significantly based on hours worked and overtime. This calculator handles the complete paycheck breakdown: regular hours at base rate, overtime at 1.5× or 2× multiplier, tips, bonuses, and pre-tax deductions like 401(k) contributions. The result is your actual net weekly paycheck — not an estimate, but a line-by-line breakdown matching what you'd see on your pay stub.
The hours impact table shows how working 5 more or fewer hours affects your weekly take-home, and the rate comparison helps you see how raises translate to actual weekly spending money. Because taxes are a percentage, each additional dollar earned nets less than you might think — the effective hourly rate shows your real after-tax earning per hour.
When This Page Helps
Use this calculator when you need to know what one week of work actually turns into after withholding and deductions. It is practical for paycheck planning, overtime decisions, and comparing how a raise or extra hours change real weekly cash flow instead of just gross pay.
How to Use the Inputs
- Enter your hourly rate.
- Set regular hours and any overtime hours.
- Add weekly tips or bonuses if applicable.
- Enter pre-tax deductions (401k, health insurance weekly).
- Set your federal and state tax rates.
- View your net weekly pay and full breakdown.
- Use the hours and rate tables to plan ahead.
Formula used
Gross Weekly = (Rate × Regular Hours) + (Rate × OT Multiplier × OT Hours) + Tips + Bonus
Social Security = min(Taxable, $184,500) × 6.2%
Medicare = Taxable × 1.45%
Federal Tax = Taxable × Fed Rate
State Tax = Taxable × State Rate
Net Weekly = Gross − Pre-Tax Deductions − FICA − Federal Tax − State TaxExample Calculation
Result: Net weekly: $769; gross $1,045; FICA $79.94, fed $125.40, state $52.25
Regular: $22 × 40 = $880. OT: $22 × 1.5 × 5 = $165. Gross: $1,045. After FICA (7.65%), 12% fed, and 5% state: net $769. Effective hourly: $17.09.
Tips & Best Practices
- Working an extra 5 hours weekly at OT rate nets ~$120-$130/week after taxes.
- A $2/hr raise adds ~$60-$65 to weekly take-home pay at 40 hours after taxes.
- Pre-tax 401k deductions effectively cost 75¢ per dollar due to tax savings.
- States with no income tax (TX, FL, WA) provide 5-13% higher weekly take-home vs. high-tax states.
- Your effective hourly rate (net ÷ hours) is the true measure of your earning power.
The Weekly Pay Reality Check
When earning $22/hour, most people expect $880/week (40 × $22). But after Social Security (6.2%), Medicare (1.45%), federal tax (~12%), and state tax (~5%): actual take-home is approximately $660-$680. Understanding this 22-25% gap between gross and net is essential for building a realistic weekly budget.
Overtime: Still Worth It After Taxes
A common myth is that overtime "isn't worth it" because of taxes. While OT income is taxed at your marginal rate, you still keep 75-85% of each OT dollar. At $22/hr, 5 weekly OT hours add $123 to net pay — $6,400/year. That's a significant income boost for anyone willing to work longer weeks.
Weekly vs. Biweekly Budgeting
If you're paid weekly, you receive 52 paychecks per year — 4 months have 5 paydays (bonus weeks!). If paid biweekly, you get 26 paychecks. Weekly pay simplifies budgeting because income aligns exactly with weekly expenses. The key is basing your budget on 4 paychecks/month and treating 5th-paycheck months as windfall savings opportunities.
Sources & Methodology
Last updated:
Methodology
This page computes weekly gross pay from hours worked, overtime, tips, and bonuses, then subtracts user-entered tax assumptions and deductions to estimate take-home pay. It treats the result as a planning estimate and uses the current Social Security taxable maximum for the FICA line.
Sources
- Maximum Taxable Earnings for Social Security (Social Security Administration) — Current Social Security wage base used in the FICA calculation.
- IRS Topic No. 751, Social Security and Medicare Withholding Rates (Internal Revenue Service) — Payroll tax rate reference.
- Fact Sheet #23: Overtime Pay Under the Fair Labor Standards Act (U.S. Department of Labor) — Federal overtime rule for non-exempt workers.
Frequently Asked Questions
Multiply hourly rate × hours for gross pay, then subtract FICA (7.65%), federal tax (10-37% bracket), and state tax. At $22/hr × 40 hours = $880 gross, after ~25% total tax: ~$660 net.
Taxes reduce your effective rate. At $22/hr with ~25% total tax burden, your effective take-home rate is ~$16.50/hr. This is the amount you actually keep per hour of work.
OT at 1.5× adds 50% more per hour, but taxes still apply. 5 hours of OT at $22/hr adds $165 gross but only ~$123 net. Still substantial — about $6,400/year in net income.
Yes — tips are taxable income and should be reported. $150/week in tips adds $7,800/year gross but after taxes, nets about $5,850. Your W-2 should reflect all tip income.
Use your marginal rate based on annual income: $11,600-$47,150 (single) = 12%, $47,150-$100,525 = 22%, $100,525-$191,950 = 24%. Most hourly workers fall in the 12-22% range.
Pre-tax deductions (401k, health insurance) reduce your taxable income. $50/week to 401k at 12% fed rate saves you $6/week in federal tax plus FICA savings — and builds retirement savings.
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