Free weekly pay calculator. Calculate net take-home pay after taxes with overtime, tips, and deductions. See paycheck breakdown, hours impact, and rate comparisons.
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 full picture: 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 instantly 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.
Weekly paychecks require precise budgeting. This calculator provides the exact net pay on each paycheck including all taxes and deductions, plus shows how extra hours or a raise translates to real take-home differences. Keep these notes focused on your operational context. Tie the context to the calculator’s intended domain. Use this clarification to avoid ambiguous interpretation.
Gross Weekly = (Rate × Regular Hours) + (Rate × OT Multiplier × OT Hours) + Tips + Bonus Social Security = Taxable × 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 Tax
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.
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.
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.
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.
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.