Weekly Paycheck Calculator
401(k), HSA, and health premiums
Your weekly take-home pay is about
$1,127.92 /paycheck
$1,442.31 gross − $314.39 withheld, across 52 paychecks — $58,652 a year
Or jump straight to a common one:
| Line item | Per week | Per year |
|---|---|---|
| Gross pay | $1,442.31 | $75,000 |
| Pre-tax deductions | $0.00 | $0 |
| Federal income tax | -$147.50 | -$7,670 |
| California income tax | -$56.55 | -$2,941 |
| Social Security (6.2%) | -$89.42 | -$4,650 |
| Medicare | -$20.91 | -$1,088 |
| Net take-home pay | $1,127.92 | $58,652 |
Estimate for tax year 2026 using IRS federal brackets, the standard deduction for your filing status, and Tax Foundation state brackets. It applies only the standard deduction — personal exemptions and tax credits are ignored, so the real number is usually a little higher. Local income taxes (New York City, Maryland counties, Ohio municipalities) are not included, and head-of-household filers are estimated with single-filer brackets at the state level. Not tax advice.
Weekly Gross to Net, in Plain English
Gross pay on a weekly schedule is whatever you earned that week: hourly rate × hours, or annual salary ÷ 52. Everything between that and the deposit comes off in the same four steps, week after week. Take $20 an hour at 40 hours — $800.00 gross, $41,600 a year:
| One week at $20/hr | Amount |
|---|---|
| Gross pay (40 hrs) | $800.00 |
| Federal income tax | −$54.08 |
| Social Security (6.2%) | −$49.60 |
| Medicare (1.45%) | −$11.60 |
| State income tax (Texas: none) | $0.00 |
| Take-home that week | $684.72 |
- Pre-tax deductions — traditional 401(k) contributions, HSA contributions, and most health premiums. They come out first and shrink the income the IRS ever sees. The example above has none; add yours in the calculator and every tax line below it drops.
- Federal income tax — charged on what is left after the standard deduction, at rates that climb through seven brackets. Payroll uses the IRS weekly withholding table, which is the annual figure cut into 52 slices.
- State income tax — nothing in nine states, over 10% at the top in a few others. The example uses Texas, so this line is zero and the rest of the arithmetic stays visible.
- FICA: Social Security and Medicare — 6.2% on the first $184,500 of 2026 wages plus 1.45% on every dollar, levied on gross pay. A 401(k) contribution does not reduce it.
Net result: $115.28 withheld from a gross week of $800.00, leaving $684.72 — an effective withholding rate of 14.4%. Deductions that are not pre-tax, such as Roth 401(k) contributions, union dues, or a garnishment, come off after tax and shrink the deposit without shrinking the tax.
Weekly Take-Home Pay by Hourly Rate
Every row is 40 hours a week for a single filer in a state with no income tax — the clean baseline. Add your own state in the calculator above and every net figure drops.
| Hourly Rate | Gross per Week | Federal Tax | FICA | Net per Week | Net per Month |
|---|---|---|---|---|---|
| $15/hr | $600.00 | −$30.08 | −$45.90 | $524.02 | $2,271 |
| $17/hr | $680.00 | −$39.68 | −$52.02 | $588.30 | $2,549 |
| $18/hr | $720.00 | −$44.48 | −$55.08 | $620.44 | $2,689 |
| $20/hr | $800.00 | −$54.08 | −$61.20 | $684.72 | $2,967 |
| $22/hr | $880.00 | −$63.68 | −$67.32 | $749.00 | $3,246 |
| $25/hr | $1,000.00 | −$78.08 | −$76.50 | $845.42 | $3,664 |
| $28/hr | $1,120.00 | −$92.48 | −$85.68 | $941.84 | $4,081 |
| $30/hr | $1,200.00 | −$102.08 | −$91.80 | $1,006.12 | $4,360 |
| $35/hr | $1,400.00 | −$138.19 | −$107.10 | $1,154.71 | $5,004 |
| $40/hr | $1,600.00 | −$182.19 | −$122.40 | $1,295.41 | $5,613 |
Paid a salary rather than a rate? Switch the calculator to Paid a salary and it splits the annual figure across 52 checks instead. To go the other way — a weekly wage into a yearly one, with unpaid weeks accounted for — use the weekly to annual salary calculator.
Convert Weekly Pay to Monthly
The multiplier is 4.33, not 4. A year holds 52 weeks and 12 months, so a month is 52 ÷ 12 = 4.333 weeks long. Multiplying a weekly wage by 4 prices a year at 48 weeks and undercounts monthly pay by about 8% — enough to sink a rent application or a budget built on it.
| Weekly Gross | Monthly Gross | Annual Gross | Monthly Take-Home |
|---|---|---|---|
| $600 | $2,600 | $31,200 | $2,271 |
| $700 | $3,033 | $36,400 | $2,619 |
| $800 | $3,467 | $41,600 | $2,967 |
| $900 | $3,900 | $46,800 | $3,315 |
| $1,000 | $4,333 | $52,000 | $3,664 |
| $1,200 | $5,200 | $62,400 | $4,360 |
| $1,500 | $6,500 | $78,000 | $5,309 |
| $2,000 | $8,667 | $104,000 | $6,833 |
Take-home is a single filer in a state with no income tax. Note that the monthly figure is an average, not a deposit: eight months of the year bring four paychecks and four months bring five. Budget on the four-paycheck month and the fifth check becomes a buffer rather than a surprise.
Working in the other direction — a monthly salary you need as an annual figure — the monthly to annual salary calculator runs the same conversion in reverse.
Weekly vs Biweekly vs Semi-Monthly
Three schedules cover almost every US payroll, and they differ only in how the year is sliced. On the same $41,600 of annual pay:
| At $41,600 a year | Weekly | Biweekly | Semi-Monthly |
|---|---|---|---|
| Paychecks a year | 52 | 26 | 24 |
| When you are paid | The same weekday every week | The same weekday every other week | Two fixed dates, usually the 15th and last day |
| Gross per paycheck | $800.00 | $1,600.00 | $1,733.33 |
| Take-home per paycheck | $684.72 | $1,369.45 | $1,483.57 |
| Paychecks in a month | Four, except in the four months that hold five | Two, except in the two months that hold three | Always two |
| Take-home a year | $35,606 | $35,606 | $35,606 |
Nobody earns more on one row than another — the year ends in the same place, and so does the tax bill. What changes is the shape of a month. Weekly pay tracks hours closely, which is why it is concentrated in work where hours move week to week, and it lines up with the fixed seven-day workweek federal overtime is calculated on. The cost is the smallest check of the three against monthly rent and loan dates.
Paid every other week instead? The biweekly paycheck calculator runs the same withholding across 26 periods. Paid on the 15th and the last day? The semi-monthly paycheck calculator splits it across 24.
Frequently Asked Questions
How many weekly paychecks are there in a year?
Fifty-two, one for each week. Because 52 weeks do not divide evenly into 12 months, eight months hold four paydays and four months hold five. Occasionally a calendar year lines up so that 53 weekly paydays fall inside it, which is why a January-to-December pay total can look slightly larger than salary.
How do I convert weekly pay to monthly?
Multiply by 52 and divide by 12 — the same as multiplying by 4.33. Multiplying by 4 is the common mistake: it treats a year as 48 weeks and understates monthly pay by about 8%. On $800 a week that is $3,467 a month gross, not $3,200.
How much is $20 an hour a week after taxes?
At 40 hours, $20 an hour is $800.00 gross a week and about $684.72 after federal income tax and FICA, for a single filer in a state with no income tax — $115.28 withheld per check. A state income tax takes more: set your own state in the calculator above to see how much.
Why is my weekly paycheck less than my rate times my hours?
Because rate × hours is gross pay. Social Security (6.2%) and Medicare (1.45%) come off every dollar, federal income tax comes off what is left after the standard deduction, and 41 states plus the District of Columbia withhold state income tax on top. On a week grossing $800.00, that is $115.28 gone before the deposit — an effective rate of 14.4%.
Do I pay more tax if I am paid weekly?
No. Pay frequency changes when tax is withheld, not how much you owe. The IRS publishes a separate withholding table for each payroll period, so a weekly check has roughly half the tax of a biweekly one because it has half the gross pay. The annual bill is identical on any schedule.
How does overtime change a weekly paycheck?
Federal overtime is calculated on a fixed seven-day workweek, so a weekly schedule lines up with it exactly: hours over 40 in that week are paid at time and a half on that week's check. The calculator above assumes the same hours every week, so for a steady overtime schedule work out the gross week first — 40 hours at $20 plus 10 at $30 is $1,100 — then enter that as $22.00 an hour across 50 hours.
Is weekly pay better than biweekly?
The money is identical; only the timing moves. Weekly suits variable hours and tight cash flow, since a heavy week is paid within days rather than sitting on a timesheet for another fortnight. Biweekly and semi-monthly suit fixed monthly bills better, because the checks are bigger and land on a more predictable footing against rent and loan dates. Some jobs do not get a choice — New York, for one, requires weekly pay for manual workers.