Salary, Paychecks & Income
Translate an offer into the number that lands in your account.
A salary figure and a paycheck are different numbers, and the gap between them is wider than most people estimate — commonly 25–35% once federal tax, FICA, state tax and benefit premiums are deducted.
These tools convert between gross and net in both directions, which is what you need when comparing offers across states or deciding how much of a raise to route into pre-tax accounts.
Tools
Salary & Income calculators
Paycheck Calculator
Federal tax, FICA, state tax and deductions — see exactly what lands in your account.
Hourly to Salary Calculator
Turn an hourly rate into annual, monthly, biweekly and weekly pay — accounting for your real hours and unpaid time off.
Salary to Hourly Calculator
Turn an annual salary into an hourly rate — and see what your time is really worth per working hour.
Overtime Calculator
See your overtime rate, weekly pay with overtime, and what those extra hours add up to over a year.
Raise Calculator
See your new salary and the annual, monthly and weekly increase — plus what's left after inflation.
Cost of Living Calculator
Work out the salary you'd need in a new city to keep the same standard of living — including the state tax difference.
Most used here
Related goals
See how salary & income fits into the bigger picture.
Increase Income
The raise matters. What survives taxes matters more.
Lower Taxes
Know your marginal rate, then use the accounts built for it.
Not sure where to start?
Describe your salary & income situation and the AI coach will point you to the right tool and walk through the trade-offs.
Salary & Income questions
How do I calculate take-home pay from my salary?
Start with gross pay, subtract pre-tax deductions such as 401(k), HSA and health premiums, then apply federal income tax on the remainder, FICA at 7.65% on gross wages, and state income tax where applicable. What survives is net pay. The paycheck calculator does this per pay period with your actual filing status.
How much is a $100,000 salary after taxes?
It depends heavily on your state. A single filer taking the standard deduction with no pre-tax contributions keeps roughly $76,000–78,000 in a no-income-tax state like Texas or Florida, and closer to $70,000–72,000 in a high-tax state like California or New York. Pre-tax retirement contributions shift several thousand dollars of that from tax to savings.
Is a raise worth it if it pushes me into a new bracket?
Yes, essentially always. Only the portion of income above the bracket threshold is taxed at the higher rate, so more gross income always means more net income. Real cliffs come from benefit phase-outs — ACA premium subsidies, student loan repayment tiers, childcare credits — not from tax brackets.
Should I negotiate salary or equity?
Salary is certain, immediately spendable, compounds through future raises which are usually percentage-based, and sets the baseline every subsequent employer anchors on. Equity is a probability-weighted bet. At a public company with liquid stock the trade-off is closer to even; at an early-stage private company, weight salary considerably more heavily than the headline equity value suggests.