Salary Calculator
Convert salary across all pay periods and estimate your take-home pay after taxes.
Salary Details
Results
Enter a salary amount to see conversions across all pay periods, with and without vacation and holidays.
You're comparing job offers, planning a budget, or checking if a raise is worth it. You need the same number in hourly, monthly, and annual terms. You also want to know what lands in your bank account after taxes.
This salary calculator does both in one place. The Salary Conversion tab converts your pay across eight frequencies. It shows unadjusted pay and PTO-adjusted pay side by side. The Take-Home Pay tab estimates your net paycheck using 2025 federal brackets, FICA, state tax, and common pre-tax deductions. Results update as you type.
How to Use This Salary Calculator
Salary Conversion Tab
1. Enter your salary amount (e.g., 75000).
2. Select the pay period: hour, day, week, bi-week, semi-month, month, quarter, or year.
3. Set hours per week (default 40) and days per week (default 5).
4. Enter holidays per year (default 10) and vacation days (default 15).
5. Read the results table. Compare unadjusted and adjusted amounts for every pay period.
Take-Home Pay Tab
1. Enter gross salary and select pay frequency.
2. Choose filing status and your state.
3. Enter dependents for child tax credit estimate.
4. Add optional pre-tax deductions: 401(k) %, health insurance, other amounts.
5. View estimated net pay per paycheck, tax breakdown, and effective tax rate.
Understanding Unadjusted vs PTO-Adjusted Salary
Your employer pays you for working days. Paid holidays and vacation are time off you still get paid for. They don't add extra earning days to your year.
Unadjusted salary assumes you work every scheduled day. For a 5-day week, that is 260 weekdays (52 weeks × 5 days).
Adjusted salary subtracts your paid time off. It shows what you earn across the days you work.
Worked Example
You earn $50/hour, 8 hours/day, 5 days/week.
Unadjusted annual: $50 × 8 × 260 = $104,000
With 10 holidays + 15 vacation (25 days off): $50 × 8 × 235 = $94,000
For a deeper hourly breakdown with overtime options, see our salary to hourly calculator.
How Salary Conversion Formulas Work
Each pay frequency converts from a single annual base using standard US formulas:
| Pay period | Periods/year | From annual |
|---|---|---|
| Hourly | hours/week × 52 | Annual ÷ 2,080 (at 40 hrs/wk) |
| Daily | days/week × 52 | Annual ÷ 260 (at 5 days/wk) |
| Weekly | 52 | Annual ÷ 52 |
| Bi-weekly | 26 | Annual ÷ 26 |
| Semi-monthly | 24 | Annual ÷ 24 |
| Monthly | 12 | Annual ÷ 12 |
| Quarterly | 4 | Annual ÷ 4 |
Example: $75,000 annual, 40 hours/week
Hourly: $75,000 ÷ 2,080 = $36.06/hr
Monthly: $75,000 ÷ 12 = $6,250/mo
Bi-weekly: $75,000 ÷ 26 = $2,884.62
For bidirectional conversion, see our wage calculator.
Pay Frequency Guide: Bi-weekly vs Semi-monthly vs Monthly
Bi-weekly is paid every two weeks. You get 26 paychecks per year. This is most common in US private sector jobs.
Semi-monthly is paid twice per month, usually on the 1st and 15th. You get 24 paychecks per year. Common in salaried corporate roles.
Monthly is paid once per month. You get 12 paychecks per year. Less common in the US.
$75,000 annual salary comparison
Bi-weekly: $2,884.62 per check
Semi-monthly: $3,125.00 per check
Monthly: $6,250.00 per check
Estimating Your Take-Home Pay
Gross salary is what your employer agrees to pay. Take-home pay is what hits your bank after withholdings.
Our Take-Home tab estimates:
- Pre-tax deductions (401(k), health insurance, other)
- Federal income tax using 2025 progressive brackets
- State income tax for your selected state
- FICA: Social Security (6.2% up to $176,100) + Medicare (1.45% + 0.9% additional over threshold)
- Child tax credit ($2,000 per qualifying dependent under 17)
This is an estimate, not a tax return. For a detailed paycheck breakdown, use our take-home paycheck calculator. Once you know your net pay, plan spending with our budget calculator.
Frequently Asked Questions
Expert answers to common salary calculator questions
How do I convert an annual salary to an hourly wage?
Divide your annual salary by total work hours per year. For full-time work at 40 hours per week, divide by 2,080. Example: $75,000 ÷ 2,080 = $36.06 per hour. Use the Salary Conversion tab and select Year as your input frequency.
What is the difference between unadjusted and adjusted salary?
Unadjusted salary counts every scheduled workday in the year. Adjusted salary subtracts paid holidays and vacation days. Adjusted pay shows income spread across the days you actually work.
How many work hours are in a full-time year?
Standard full-time work is 40 hours times 52 weeks, which equals 2,080 hours. If you take 25 days off for holidays and vacation, your adjusted hours drop to about 1,880.
What's the difference between bi-weekly and semi-monthly pay?
Bi-weekly means every two weeks, or 26 paychecks per year. Semi-monthly means twice per month, or 24 paychecks per year. The same annual salary produces larger semi-monthly checks but two fewer checks per year.
How do vacation days and holidays affect my annual salary?
Paid time off doesn't reduce your total pay if those days are paid. But it lowers your effective hourly rate because you earn the same annual amount across fewer working days. That's why the adjusted column matters.
How accurate is the take-home pay estimate?
It is a solid estimate for planning. It uses 2025 federal brackets, FICA rates, and flat state rates. It does not include local city taxes or exact W-4 adjustments. Use it for ballpark budgeting, not tax filing.
What taxes are deducted from my paycheck?
Typically federal income tax, state income tax in most states, Social Security at 6.2%, and Medicare at 1.45%. High earners may also pay Additional Medicare Tax at 0.9%. Your employer pays matching FICA but that does not reduce your check.
Does a higher salary always mean more take-home pay?
Usually yes, but not always in proportion. Higher income hits higher tax brackets. A $10,000 raise does not always mean $10,000 more net. Pre-tax 401(k) contributions also shift your taxable income.
Should I enter my gross or net salary?
Always enter gross salary before taxes. The Take-Home tab calculates net pay for you. Entering net salary will produce incorrect tax estimates.
How do pre-tax 401(k) contributions affect take-home pay?
401(k) contributions reduce your taxable income. You pay less federal and state tax. Your paycheck is smaller, but you save for retirement with pre-tax dollars. A 6% contribution on $75,000 saves roughly $1,000 to $1,500 in taxes depending on your bracket.
What filing status should I select?
Choose what you will file on your tax return. Single means unmarried. Married filing jointly means one combined return. Head of household means unmarried with qualifying dependents. The wrong status gives wrong bracket estimates.
Can I compare two job offers with different pay frequencies?
Yes. Enter each offer in the Salary Conversion tab using its stated frequency. Compare the adjusted annual column. Then switch to Take-Home Pay to compare net income after taxes and deductions.
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