Skip to main content
AI Biz Hub

Freelance

Salary / Paycheck Calculator

Estimate gross-to-net salary outcomes with annual/hourly conversion, overtime effects, and side-by-side offer comparison.

Your numbers

Start from an example

Mode
$
Hours per week

Regular hours. In annual mode this only converts the salary to an hourly equivalent.

Weeks per year

Paid weeks. 52 if paid time off is paid.

Filing status
$
$
$

Result

Estimated net annual
$68,628
Hourly equivalent
$40.87/h
Net monthly
$5,719
Effective tax rate
19.26%
Offer delta (net)
$7,035

2026 federal income tax and employee FICA only; state and local taxes are not included.

Income waterfall

Gross pay, what comes out of it, and estimated net.

Gross annual
$85,000
Federal tax
$9,870
Employee FICA
$6,503
Estimated net
$68,628

Paycheck view

Gross and net per paycheck period.

Monthly gross
$7,083
Monthly net
$5,719
Biweekly gross
$3,269
Biweekly net
$2,640

General business information, not legal, tax or financial advice. The result comes only from your inputs and the published method. How we check our numbers.

How to use it

  1. Choose annual or hourly mode, then enter salary or hourly rate, hours, weeks, overtime, filing status, pre-tax deductions, other income, and an optional comparison salary. These inputs shape taxable income and show how much of a pay change survives federal taxes and deductions.
  2. Read estimated annual take-home, net monthly pay, the effective tax rate, and the take-home delta against the comparison salary; in annual mode you also get the salary's hourly equivalent. The charts break gross pay into federal tax, employee FICA, pre-tax deductions, and net, and show gross and net per monthly and biweekly paycheck. Treat it as a 2026 federal-planning model: state and local taxes, credits, and itemized deductions are excluded.
  3. Base job or comp decisions on take-home delta instead of gross delta. A $10,000 gross increase often converts into only part of that after tax, and overtime-heavy earnings are less reliable than the same income in base pay.
  4. Use the output to compare offers, decide how much 401(k) or other pre-tax deductions you can afford, and identify the minimum gross salary required to hit a target monthly take-home. If the comparison delta is small, negotiate remote flexibility or benefits instead of only chasing headline pay.
  5. Re-run when withholding assumptions, deductions, overtime, or offer terms change, and again when federal brackets update. Compare the model to real paystubs a few times per year so your planning assumptions stay anchored to reality.

Questions people usually ask

Is this exact tax filing output?

No. It is a planning estimate that simplifies federal tax logic and excludes many individual variables.

Does it include state and local taxes?

No. This version focuses on simplified federal estimation to keep it deterministic and transparent.

Can I compare two salaries?

Yes. Enter an alternative annual salary to see take-home delta quickly.

How is overtime handled?

Overtime is modeled from overtime hours and multiplier and added to annual gross pay.

Is this tool free and private to use?

Yes. AI Biz Hub tools are free, no-signup browser tools. Inputs stay in your browser unless you choose to share a URL.

Is this professional advice?

No. Outputs are business planning estimates — not legal, tax, or accounting advice.

  • 7 min read How to Decide: Hire or Contract?

    How to decide whether to hire or contract: the IRS and DOL classification tests first, then loaded cost (about 1.3× base) and how stable the scope is.

  • 9 min read FTE vs Contractor: The Real Cost of a $90k Hire

    FTE vs contractor cost in 2026: a $90k employee costs about $111k loaded with FICA, health and a 3% match, close to a $60/hr contractor. Hours decide.

All articles

More in Freelance to founder

Set rates, protect margins, and plan the transition from client work to product.

The Freelance to founder guide

Use it from code

The same calculation as a JavaScript module you can import. It runs where you import it, with no request, key or rate limit.

import { compute } from "https://aibizhub.io/engines/salary-calculator.js";

Input and output contract, TypeScript types and the guide for agents.