Money & mortgage

Income & pay

Translate hourly pay into annual income, estimate overtime and take-home pay, or build a first-pass budget for starting a small business.

4 calculatorsEnglish and ChineseNo account required

Calculator set

Income & pay calculators

Open a calculator for an immediate estimate, then use its method notes, examples, limits, and sources to understand the result.

Hourly wage to annual salary calculatorConvert hourly pay to annual, monthly, and biweekly gross salary with unpaid days and a yearly bonus.Calculate Overtime pay calculatorEstimate weekly and annual gross overtime pay using the U.S. federal default or your applicable threshold and multiplier.Calculate Net income take-home calculatorEstimate U.S. net pay from user-supplied effective federal, state/local, and FICA rates, with separate deduction bases.Calculate Small business startup cost calculatorEstimate startup capital, operating cash buffer, funding shortfall, and payback from recurring profit.Calculate

Understand, then calculate

Make sense of the key numbers in Income & pay

Income figures become comparable only when they use the same time period and assumptions. Hours worked, overtime rules, taxes, benefits, and unpaid time can all change the result.

Use gross-pay tools for offer comparisons, take-home pay for a spending plan, and startup costs for an initial business funding range.

Result checklist

What you can work out here

Identify the decision first, then open the calculator that answers it.

Annualized salary: Convert hourly pay and weekly hours into a yearly gross figure.
Overtime earnings: Separate regular and premium-rate hours.
Estimated take-home pay: Subtract selected taxes and deductions from gross pay.
Startup funding range: Group one-time and recurring costs before launch.

Essential concepts

Core terms in plain language

Understand the recurring inputs and results instead of reading only the final number.

Gross pay: Earnings before taxes, benefits, and other deductions.
Net pay: The amount left after selected deductions—the take-home estimate.
Overtime multiplier: The premium applied to eligible hours, often 1.5 times the regular rate.
Runway: How long available cash can cover recurring business costs.

Choose with context

Which calculator should you use?

Use these distinctions to move through the Income & pay tools without comparing unrelated results.

01
Convert hourly pay first when comparing job offers.
02
Add overtime separately when weekly hours vary.
03
Treat take-home pay and startup costs as planning scenarios, not tax filings or quotes.

Common questions

What else to know about Income & pay

These answers explain how to use the estimates and where their limits begin.

Is annual salary the same as take-home pay?

No. Annualized salary is usually gross income; take-home pay accounts for selected taxes and deductions.

Are payroll results exact?

They are scenario estimates. Local tax rules, benefits, filing status, and payroll methods can change the actual amount.