Salary Calculator
Convert between hourly, daily, weekly, monthly, and annual salary.
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About This Calculator
The average American will earn over $2.7 million in their lifetime—but most never calculate what they're truly making per hour. As of November 2025, average hourly earnings reached $36.86 with year-over-year wage growth at 3.5%. The median annual salary in the US is $63,795, representing a 2.92% increase from previous years. With 44% of workers believing they're underpaid and salary transparency laws sweeping the nation, understanding your compensation has never been more critical.
Our Salary Calculator converts your pay between different time periods—hourly, daily, weekly, bi-weekly, monthly, and annual—revealing the true value of your work. Whether you're comparing job offers, negotiating a raise, or discovering that your "great salary" equals just $24/hour when you factor in overtime, this calculator shows you the numbers that matter.
How to Use the Salary Calculator
- 1Enter your salary amount in any time period you know (hourly, weekly, monthly, or annual).
- 2Select the corresponding pay frequency to match your entered amount.
- 3Adjust hours per week if different from standard 40-hour workweek.
- 4Modify weeks per year if you work fewer than 52 weeks (accounting for unpaid time off).
- 5View your salary converted to all other time periods automatically.
- 6Compare your results with 2025-2026 median salary benchmarks for your demographics.
- 7Use the results to negotiate raises, compare job offers, or understand your true hourly rate.
2025-2026 US Salary Benchmarks
Compare your earnings to current national statistics:
Hourly Wage Benchmarks (Nov 2025):
| Category | Hourly Rate | Annual Equivalent |
|---|---|---|
| All Private Workers | $36.86 | $76,669 |
| Production/Nonsupervisory | $31.76 | $66,061 |
| Median All Workers | $30.67 | $63,795 |
| Federal Minimum | $7.25 | $15,080 |
| Highest State Min (WA) | $17.13 | $35,630 |
Weekly Earnings by Demographics:
| Demographic | Median Weekly | Annual |
|---|---|---|
| All Workers | $1,214 | $63,128 |
| Men (16+) | $1,333 | $69,316 |
| Women (16+) | $1,076 | $55,952 |
| Asian Workers | $1,620 | $84,240 |
| White Workers | $1,235 | $64,220 |
| Black Workers | $976 | $50,752 |
| Hispanic Workers | $917 | $47,684 |
By Age Group:
| Age Range | Median Weekly | Peak Earning Years |
|---|---|---|
| 16-24 | $735 | Entry level |
| 25-34 | $1,121 | Building career |
| 35-44 | $1,385 | Peak earnings |
| 45-54 | $1,377 | Sustained peak |
| 55-64 | $1,271 | Pre-retirement |
| 65+ | $1,132 | Continued work |
Salary Conversion Formulas
Standard Assumptions:
- 40 hours per week
- 52 weeks per year
- 2,080 work hours per year
Conversion Formulas:
| From | To Annual | Formula |
|---|---|---|
| Hourly | Annual | Hourly × 2,080 |
| Daily | Annual | Daily × 260 |
| Weekly | Annual | Weekly × 52 |
| Bi-weekly | Annual | Bi-weekly × 26 |
| Semi-monthly | Annual | Semi-monthly × 24 |
| Monthly | Annual | Monthly × 12 |
Reverse Conversions:
| From Annual | To | Formula |
|---|---|---|
| To Hourly | Annual ÷ 2,080 | |
| To Daily | Annual ÷ 260 | |
| To Weekly | Annual ÷ 52 | |
| To Monthly | Annual ÷ 12 |
Example: $36.86/hour (2025 average)
- Daily (8 hrs): $294.88
- Weekly: $1,474.40
- Bi-weekly: $2,948.80
- Monthly: $6,388.67
- Annual: $76,669
Adjusted for Actual Hours: If working 45 hrs/week at $36.86/hour:
- Without overtime: $86,252/year
- With 1.5x overtime (5 hrs): $100,556/year
Hourly vs. Salary: True Comparison
When comparing hourly work to salary, consider the full picture:
$75,000 Salary Position:
- Assumes 40 hrs/week = $36.06/hour
- But if you work 50 hrs/week = $28.85/hour
- Working 60 hrs/week = $24.04/hour
$36/hour Contractor:
- At 40 hrs/week = $74,880/year
- With OT at 1.5x after 40 hrs: 45 hrs/week = $84,240/year
- 50 hrs/week = $93,600/year
Hidden Value Comparison:
| Factor | Salary | Hourly/Contract |
|---|---|---|
| Health insurance | Often $7,000-$15,000 value | Pay yourself |
| 401k match | 3-6% (~$2,000-$4,500) | None |
| Paid vacation | 2-4 weeks ($2,900-$5,800) | None |
| Paid sick days | 5-10 days ($1,400-$2,900) | None |
| Employer payroll tax | 7.65% paid by employer | You pay 15.3% |
| Job security | Generally higher | Variable |
Contractor Rate Rule: To match W-2 benefits, contractors should charge 30-50% more than equivalent hourly rate.
Example: $36/hour W-2 = approximately $50-54/hour contractor rate needed.
Understanding Your Paycheck Deductions
Gross vs. Net Pay:
Example: $75,000 gross salary (near 2025 average)
| Deduction | Amount | Percentage |
|---|---|---|
| Federal Tax (12-22%) | ~$8,000 | 10.7% |
| State Tax (varies) | ~$3,000 | 4.0% |
| Social Security (6.2%) | $4,650 | 6.2% |
| Medicare (1.45%) | $1,088 | 1.45% |
| Health Insurance | ~$3,000 | 4.0% |
| 401k (6% contribution) | $4,500 | 6.0% |
| Total Deductions | ~$24,238 | 32.3% |
| Net Annual | $50,762 | 67.7% |
| Net Monthly | $4,230 |
Effective Tax Rate Calculation: Total taxes / Gross income = Effective rate $16,738 / $75,000 = 22.3% effective tax rate
Paycheck Frequency Impact:
| Frequency | Gross Per Pay | Net Per Pay |
|---|---|---|
| Weekly | $1,442 | $976 |
| Bi-weekly | $2,885 | $1,952 |
| Semi-monthly | $3,125 | $2,115 |
| Monthly | $6,250 | $4,230 |
Salary Negotiation Strategies
The Negotiation Gap: 70% of employers expect candidates to negotiate, yet only 39% of workers do. This costs non-negotiators over $600,000 in lifetime earnings.
Who Negotiates (2025 Data):
| Demographic | Negotiation Rate | Success Rate |
|---|---|---|
| Men | 46% | 87% |
| Women | 34% | 82% |
| Senior roles | 52% | 89% |
| Entry-level | 26% | 78% |
Average Negotiation Results:
- 85% receive at least some increase
- Average improvement: 7-10% over initial offer
- Signing bonus often easier to negotiate than salary
Best Times to Negotiate:
- After receiving job offer (highest leverage)
- During annual review cycles
- After major project completion
- When taking on new responsibilities
- When you have a competing offer
What's Negotiable Beyond Base:
- Signing bonus ($5,000-$30,000+ common)
- Annual bonus percentage
- Stock options/equity grants
- Remote work flexibility
- Extra vacation days (worth $400-800/day)
- Professional development budget
- Title advancement
Power Phrases:
- "Based on market data and my qualifications..."
- "Given my contributions to [specific achievement]..."
- "I'm excited about this role. Can we discuss the full compensation package?"
Cost of Living: Same Salary, Different Life
$100,000 Salary Purchasing Power (2025):
| City | Equivalent Power | Median Rent |
|---|---|---|
| San Francisco, CA | $100,000 | $3,500/mo |
| New York City, NY | $109,000 | $3,200/mo |
| Seattle, WA | $124,000 | $2,200/mo |
| Denver, CO | $139,000 | $1,900/mo |
| Austin, TX | $156,000 | $1,800/mo |
| Dallas, TX | $161,000 | $1,600/mo |
| Phoenix, AZ | $152,000 | $1,700/mo |
State Tax Impact on Take-Home:
| State | Income Tax | $100K Salary Net Impact |
|---|---|---|
| Texas | 0% | +$0 |
| Florida | 0% | +$0 |
| Washington | 0% | +$0 |
| Colorado | 4.4% | -$4,400 |
| New York | 6.85% | -$6,850 |
| California | 9.3% | -$9,300 |
Highest-Paying States (Median Salary):
- Massachusetts: $76,600
- Washington: $73,100
- New York: $72,100
- California: $71,800
- New Jersey: $71,400
Lowest-Paying States:
- Mississippi: $43,100
- West Virginia: $44,300
- Arkansas: $45,100
- New Mexico: $46,200
- Louisiana: $46,500
Remote Work Arbitrage: Earning SF salary ($100K) while living in Austin = 56% more purchasing power.
Total Compensation vs. Base Salary
Base Salary Is Just the Beginning
Many workers focus only on base, missing 30-50% of total compensation:
Components of Total Compensation:
| Component | Example Value | % of Total |
|---|---|---|
| Base Salary | $80,000 | 58% |
| Annual Bonus (10%) | $8,000 | 6% |
| 401k Match (5%) | $4,000 | 3% |
| Health Insurance | $9,000 | 7% |
| Stock/Equity | $15,000 | 11% |
| PTO Value (20 days) | $6,150 | 4% |
| Other Benefits | $15,000 | 11% |
| Total Compensation | $137,150 | 100% |
That's 71% more than base salary!
Tech Industry Example (FAANG):
- Base salary: $180,000
- Annual bonus (15%): $27,000
- Stock grants (4-year vest): $80,000/year
- 401k match: $10,000
- Benefits value: $20,000
- Total Comp: $317,000+
Questions to Ask About Total Comp:
- What's the bonus structure and historical payout %?
- What's the equity vesting schedule?
- Are there equity refreshers after year 1?
- What's the 401k match formula?
- Is there ESPP (Employee Stock Purchase Plan)?
- What's the value of health/dental/vision coverage?
- Are there other perks (commuter benefits, wellness stipends)?
Pro Tips
- 💡Always compare total compensation, not just base salary—benefits can add 30-70% to your package value.
- 💡Calculate your TRUE hourly rate including all overtime hours to understand what you really earn per hour of work.
- 💡Factor in commute costs and time: a 1-hour commute each way is 500+ unpaid hours per year worth $10,000+ in time.
- 💡Health insurance alone can be worth $7,000-$20,000 annually—don't overlook this when comparing offers.
- 💡Research salary ranges before negotiating using Glassdoor, Levels.fyi, Payscale, and LinkedIn Salary Insights.
- 💡Consider geographic arbitrage: remote work at high-COL salaries while living in low-COL areas can effectively double purchasing power.
- 💡A $1/hour raise seems small but compounds to $25,000+ over a decade with normal 3% annual increases.
- 💡Never accept the first job offer—85% of negotiations result in improvement, averaging 7-10% more than initial offers.
- 💡Max out employer 401k matching before other savings—it's a guaranteed 50-100% return on your contribution.
- 💡State income tax differences can mean $5,000-$10,000 more take-home pay annually for the same gross salary.
- 💡Know your market value before annual reviews - come with salary data from multiple sources to justify your raise request.
- 💡Consider the value of stock options/RSUs carefully - they can be worth $0 or $100K+ depending on company trajectory.
- 💡Negotiate signing bonuses if base salary is capped - they are often more flexible and can offset waiting for first review.
- 💡Factor in PTO value: 3 weeks PTO at $75K salary is worth $4,327 - unlimited PTO policies often result in less vacation taken.
- 💡Remote work can save $5K-15K annually in commute, clothing, food, and childcare costs versus in-office roles.
Frequently Asked Questions
The median annual US salary is $63,795 in 2025, up 2.92% from the previous year. Average hourly earnings for all private workers reached $36.86, translating to about $76,669 annually at full-time hours. Median weekly earnings are $1,214. Note that "median" (50th percentile) is lower than "average" because high earners skew the average upward.
