2025 Federal Hourly Paycheck Calculator
Take home pay is calculated based on up to six different hourly pay rates that you enter along with the pertinent federal, state, and local W4 information. This federal hourly paycheck calculator is perfect for those who are paid on an hourly basis.
Our hourly calculator is designed to help you accurately estimate your take-home pay based on your hourly wage. Follow these steps to get the most out of this tool.
What You’ll Need
- Your hourly rate(s)
- Number of hours worked at each rate
- State of employment
- Pay date
- Information about any deductions or benefits
Step-by-Step Instructions
1. Select Your State
Start by choosing your state from the dropdown menu. This ensures that state-specific tax rates are applied to your calculations. If you only want to calculate federal taxes, select the “Federal” option.
2. Enter the Check Date
Input the date for which you want to calculate your paycheck. This is important because tax rates can change throughout the year, and the calculator will use the most up-to-date rates for your selected date.
3. Input Your Hourly Rates and Hours
- Enter your primary hourly rate in the “Rate 1” field.
- In the corresponding “Hours 1” field, enter the number of regular hours you work at this rate.
- If you have different rates for overtime or other scenarios, use the additional rate fields (up to 6 different rates).
- For each additional rate, enter the corresponding hours worked.
4. Add Any Additional Income
If you have any additional income (like tips or commissions), enter this amount in the “Additional Income” field.
5. Enter Deductions and Benefits
Scroll down to the “Deductions” section to enter any pre-tax or post-tax deductions:
- Common pre-tax deductions include health insurance premiums and 401(k) contributions.
- Post-tax deductions might include union dues or wage garnishments.
6. Review W-4 Information
Ensure that your W-4 information is correctly entered:
- Select your filing status (Single, Married Filing Jointly, etc.)
- Enter the number of dependents, if applicable
- Add any additional withholding amounts
7. Calculate Your Paycheck
Click the “Calculate” button to see your results.
8. Analyze Your Results
Review the detailed breakdown of your paycheck, including:
- Gross Pay
- Federal Withholding
- State Withholding (if applicable)
- FICA taxes (Social Security and Medicare)
- Any deductions you’ve entered
- Net (take-home) Pay
Tips for Accurate Calculations
- Double-check your hourly rates and hours worked
- Ensure you’ve selected the correct state
- Update your W-4 information if it has changed recently
- Include all regular deductions for the most accurate result
Troubleshooting Common Issues
If your calculation seems incorrect:
- Verify all input amounts are accurate
- Check that you’ve selected the correct state
- Ensure your W-4 information is up to date
- Confirm all deductions are entered correctly
Need help? Contact our support team for assistance with your calculations.
What’s an hourly paycheck calculator?
What is gross pay?
Gross pay - Taxes - Benefits/other deductions = Net pay (your take-home pay)
What is the gross pay method?
What is pay frequency?
What is the difference between bi-weekly and semi-monthly?
What are my withholding requirements?
How do I know if I’m exempt from federal taxes?
You are tax-exempt when you do not meet the requirements for paying tax. This usually happens because your income is lower than the tax threshold (also known as the standard deduction). For 2024, you need to make less than:
- single filer or married filing separately: $14,600
- married joint filers: $29,200
- head of household: $21,900
If you are 65 or older, or if you are blind, different income thresholds may apply. Check the IRS Publication 505 for current laws.
Claiming exempt from federal tax withholding on your W4 when you aren’t eligible isn’t illegal but it can have major consequences. You might receive a large tax bill and possible penalties after you file your tax return.
What’s the difference between single and head of household?
How is Federal Withholding (Federal Income Tax) calculated?
The more taxable income you have, the higher tax rate you are subject to. This calculation process can be complex, so PaycheckCity’s free calculators can do it for you! To learn how to manually calculate federal income tax, use these step-by-step instructions and examples.
The federal income tax is a tax on annual earnings for individuals, businesses, and other legal entities. All wages, salaries, cash gifts from employers, business income, tips, gambling income, bonuses, and unemployment benefits are subject to a federal income tax.
For each payroll, federal income tax is calculated based on the answers provided on the W-4 and year to date income, which is then referenced to the tax tables in IRS Publication 15-T. For 2024, rates are 0%, 10%, 12%, 22%, 24%, 32%, 35%, or 37%.
2024 Tax Rate | Single | Married Filing Jointly | Head of Household |
---|---|---|---|
10% | $0 to $11,600 | $0 to $23,200 | $0 to $16,550 |
12% | $11,601 to $47,150 | $23,201 to $94,300 | $16,551 to $63,100 |
22% | $47,151 to $100,525 | $94,301 to $201,050 | $63,101 to $100,500 |
24% | $100,526 to $191,950 | $201,051 to $383,900 | $100,501 to $191,950 |
32% | $191,951 to $243,725 | $383,901 to $487,450 | $191,951 to $243,700 |
35% | $243,726 to $609,350 | $487,451 to $731,200 | $243,701 to $609,350 |
37% | $609,351 or more | $731,201 or more | $609,351 or more |
What’s the W-4 form, and why is important?
You filled out a W-4 form when you were hired. The W4 form determines the amount of federal income tax withheld from your paycheck. Completing it accurately ensures proper withholding. States have their own state withholding forms too.
What is FICA on my paycheck?
FICA (Federal Insurance Contributions Act) includes 2 taxes: Social Security and Medicare. Both Social Security and Medicare taxes are deducted from each paycheck to fund these important government programs.
How much are Social Security and Medicare taxes?
Social Security tax is 6.2% on $147,000 of earned income. The maximum Social Security tax for employees is $9,114.
Medicare tax is 1.45%. There is a 0.9% Additional Medicare Tax for employees on wages earned after $200,000 ($250,000 for married filing jointly, or $125,000 for married filing separately). This means when an employee’s income reaches that threshold in a calendar year, the employer should withhold 2.35% total for Medicare. Learn more about Social Security and Medicare taxes.
What’s the difference between a deduction and withholding?
In addition to withholding federal and state taxes, part of your gross income might also have to contribute to deductions. These are known as “pre-tax deductions” and include contributions to retirement accounts and some health care costs. For example, when you look at your paycheck you might see an amount deducted for your company’s health insurance plan and for your 401k plan. Pre-tax deductions result in lower take-home, but also means less of your income is subject to tax. Some deductions are “post-tax”, like Roth 401(k), and are deducted after being taxed.
In our calculators, you can add deductions under “Benefits and Deductions” and select if it’s a fixed amount, a percentage of the gross-pay, or a percentage of the net pay. For hourly calculators, you can also select a fixed amount per hour. For pre-tax deductions, check the Exempt checkboxes, meaning the deduction will be taxed.
What was updated in the Federal W4 in 2020?
In 2020, the IRS updated the Federal W4 form that eliminated withholding allowances. The redesigned Form W4 makes it easier for your withholding to match your tax liability. Here’s how to answer the new questions:
- Step 2: check the box if you have more than one job or you and your spouse both have jobs. This will increase withholding.
- Step 3: enter an amount for dependents.The old W4 used to ask for the number of dependents. The new W4 asks for a dollar amount. Here’s how to calculate it: If your total income will be $200k or less ($400k if married) multiply the number of children under 17 by $2,000 and other dependents by $500. Add up the total.
- Step 4a: extra income from outside of your job, such as dividends or interest, that usually don't have withholding taken out of them. By entering it here you will withhold for this extra income so you don't owe tax later when filing your tax return.
- Step 4b: any additional withholding you want taken out. Any other estimated tax to withhold can be entered here. The more is withheld, the bigger your refund may be and you’ll avoid owing penalties.
If your W4 on file is in the old format (2019 or older), toggle "Use new Form W-4" to change the questions back to the previous form. Employees are currently not required to update it. However if you do need to update it for any reason, you must now use the new Form W-4.
Are some deductions not taxed by federal income tax?
What are pre-tax and post-tax deductions?
What is Federal Unemployment Tax Act (FUTA)?
How can I reduce my taxes?
Explore deductions and credits available, such as contributions to retirement accounts, to potentially lower your taxable income.
State Hourly Employee Calculators
Select your state from the list below to see its hourly employee calculator.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
- American Samoa
- Guam
- Northern Mariana Islands
- Puerto Rico
- US Virgin Islands