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20 hourly rates · 2,080 hours a year

Hourly pay, after tax

$15 to $85 an hour, converted to a yearly gross (rate × 2,080 hours) and then to what actually lands in the account — federal tax, FICA and state tax, Texas baseline (no state income tax).

Hours assumed: 40/week · 52 weeks Net per hour after tax: $13 – $64 Highest effective tax here: 25.3%

Hourly rate → yearly net

Take-home per year at each rate, Texas baseline.

What is deducted each year

Federal income tax + FICA on the yearly gross at each rate.

Rate by rate

Twenty rates, each with its own page: yearly gross, the tax split and the monthly net.

$15/hour

12.7% effective
$27,249
net per year (Texas) · $31,200 gross · $2,271/month

$17/hour

13.5% effective
$30,592
net per year (Texas) · $35,360 gross · $2,549/month

$18/hour

13.8% effective
$32,263
net per year (Texas) · $37,440 gross · $2,689/month

$20/hour

14.4% effective
$35,606
net per year (Texas) · $41,600 gross · $2,967/month

$22/hour

14.9% effective
$38,948
net per year (Texas) · $45,760 gross · $3,246/month

$24/hour

15.3% effective
$42,291
net per year (Texas) · $49,920 gross · $3,524/month

$25/hour

15.5% effective
$43,962
net per year (Texas) · $52,000 gross · $3,664/month

$28/hour

15.9% effective
$48,976
net per year (Texas) · $58,240 gross · $4,081/month

$30/hour

16.2% effective
$52,318
net per year (Texas) · $62,400 gross · $4,360/month

$32/hour

16.4% effective
$55,655
net per year (Texas) · $66,560 gross · $4,638/month

$35/hour

17.5% effective
$60,045
net per year (Texas) · $72,800 gross · $5,004/month

$38/hour

18.5% effective
$64,434
net per year (Texas) · $79,040 gross · $5,370/month

$40/hour

19.0% effective
$67,361
net per year (Texas) · $83,200 gross · $5,613/month

$42/hour

19.5% effective
$70,288
net per year (Texas) · $87,360 gross · $5,857/month

$45/hour

20.2% effective
$74,678
net per year (Texas) · $93,600 gross · $6,223/month

$50/hour

21.2% effective
$81,994
net per year (Texas) · $104,000 gross · $6,833/month

$55/hour

21.9% effective
$89,310
net per year (Texas) · $114,400 gross · $7,443/month

$60/hour

22.6% effective
$96,567
net per year (Texas) · $124,800 gross · $8,047/month

$70/hour

23.9% effective
$110,784
net per year (Texas) · $145,600 gross · $9,232/month

$85/hour

25.3% effective
$132,109
net per year (Texas) · $176,800 gross · $11,009/month

All rates in one table

Texas baseline (federal + FICA only). Add state income tax on the state pages.

Hourly rateYearly grossFederalFICATake-homeNet / hour
$15/hour $31,200 $1,564 $2,387 $27,249 $13
$17/hour $35,360 $2,063 $2,705 $30,592 $15
$18/hour $37,440 $2,313 $2,864 $32,263 $16
$20/hour $41,600 $2,812 $3,182 $35,606 $17
$22/hour $45,760 $3,311 $3,501 $38,948 $19
$24/hour $49,920 $3,810 $3,819 $42,291 $20
$25/hour $52,000 $4,060 $3,978 $43,962 $21
$28/hour $58,240 $4,809 $4,455 $48,976 $24
$30/hour $62,400 $5,308 $4,774 $52,318 $25
$32/hour $66,560 $5,813 $5,092 $55,655 $27
$35/hour $72,800 $7,186 $5,569 $60,045 $29
$38/hour $79,040 $8,559 $6,047 $64,434 $31
$40/hour $83,200 $9,474 $6,365 $67,361 $32
$42/hour $87,360 $10,389 $6,683 $70,288 $34
$45/hour $93,600 $11,762 $7,160 $74,678 $36
$50/hour $104,000 $14,050 $7,956 $81,994 $39
$55/hour $114,400 $16,338 $8,752 $89,310 $43
$60/hour $124,800 $18,686 $9,547 $96,567 $46
$70/hour $145,600 $23,678 $11,138 $110,784 $53
$85/hour $176,800 $31,166 $13,525 $132,109 $64

Related pages

→ Salary breakdowns

Same maths, starting from a yearly salary instead of an hourly rate.

→ Hourly to salary calculator

Put in your own rate, hours and state.

→ Overtime calculator

What extra hours really pay after tax.

→ Take-home pay by state

The state income tax layer that sits on top of these figures.

Questions

How many hours is a full year?

2,080 hours — 40 hours a week for 52 weeks. Part-time or seasonal work changes the yearly gross, which is why the calculator lets you set your own hours.

Is overtime included?

No. These pages assume straight-time hours. Overtime is usually paid at 1.5× and pushes the marginal rate up, so the overtime calculator handles it separately.

Why is the net per hour lower than the hourly rate?

Federal income tax and FICA come out first. At $15/hour the deduction is 12.7% of gross; at $85/hour it is 25.3% because higher earnings meet higher marginal brackets.

Which state is used for these figures?

Texas — no state income tax — so the numbers are the federal + FICA floor. The state pages show the same salary with each state’s own income tax applied.

Sources & method

Figures on this page are planning estimates built from published IRS tables and state agency rates; they are not tax advice. How we build and check these estimates · Edited by: · Last updated: 2026-11-09