How to Convert Hourly Pay to Salary (and Salary to Hourly)

To convert an hourly wage to an annual salary, multiply it by 2,080. That's 40 hours a week times 52 weeks. $25 an hour is $25 × 2,080 = $52,000 a year. $58 an hour is $120,640 a year. The shortcut most people use is to double the hourly rate and add three zeros, which gives $50,000 for $25 an hour, close enough for a quick estimate because it assumes 2,000 hours instead of 2,080.

This guide covers the exact formula, a chart from $15 to $60 an hour with monthly, biweekly, weekly and after-tax figures, how to adjust for part-time hours, unpaid time off and overtime, how to convert a salary back to an hourly rate, and what to compare when you're choosing between an hourly job and a salaried one. We also have a page for every whole-dollar wage from $12 to $60 an hour with a full 2026 breakdown.

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The formula

Annual salary = hourly rate × hours per week × weeks per year. For a standard full-time job, that's hourly rate × 40 × 52 = hourly rate × 2,080. Monthly pay is the annual figure divided by 12, biweekly pay is the annual figure divided by 26, and weekly pay is hourly rate × hours per week.

Don't calculate monthly pay as weekly pay × 4. A month averages 4.33 weeks (52 ÷ 12), so multiplying by 4 understates monthly income by about 8%. At $25 an hour, weekly pay is $1,000, but monthly pay is $52,000 ÷ 12 = $4,333, not $4,000. Budgets built on the ×4 shortcut end up with an unexpected surplus in months with five paydays, while budgets built on ×4.33 match reality.

Hourly to salary chart

The chart shows annual, monthly, biweekly and weekly gross pay at full-time hours, plus approximate annual take-home pay for a single filer in a state with no income tax, after 2026 federal income tax, Social Security and Medicare. State income tax, where it applies, reduces take-home pay by roughly 2% to 6% of gross pay at these incomes.

At $58 an hour, for example, gross pay is $120,640 a year and take-home pay in a no-income-tax state is about $93,700, or $3,604 every two weeks. Every whole-dollar wage in the chart also has its own page on the site with the full tax breakdown.

See the full breakdown for $58 an hour →

Part-time hours

For part-time work, replace 40 with your actual weekly hours. At $25 an hour, 30 hours a week is $25 × 30 × 52 = $39,000 a year. If your hours vary, average them over several months, or use the hours from your pay stubs. The table shows $25 an hour at common part-time schedules.

Part-time work often comes without benefits such as health insurance, paid time off or retirement matching, so the annual pay figure understates the gap between a part-time and a full-time job more than the hours alone suggest. When comparing, add the value of benefits to the full-time salary.

Unpaid time off

The 2,080-hour formula assumes you're paid for 52 weeks. Salaried workers and many hourly workers get paid holidays and vacation, so they are. If your time off is unpaid, subtract those weeks. Two unpaid weeks plus six unpaid holidays at $25 an hour reduces annual pay from $52,000 to $25 × (2,080 − 80 − 48) = $48,800.

Seasonal and contract workers should use the weeks they actually expect to work. A contractor billing $60 an hour who expects 44 billable weeks a year at 35 billable hours earns $60 × 35 × 44 = $92,400, much less than the $124,800 that $60 × 2,080 suggests.

Adding overtime

Non-exempt hourly employees earn at least time-and-a-half for hours over 40 in a week under federal law. To include regular overtime, add the overtime hours × 1.5 × the hourly rate × the weeks you expect to work them. At $25 an hour with five hours of overtime a week for 50 weeks, overtime adds $25 × 1.5 × 5 × 50 = $9,375, bringing annual pay to $61,375.

From 2025 through 2028, the premium part of overtime pay, the extra half-time, can be deducted from federal taxable income up to $12,500 ($25,000 for joint filers), which makes overtime worth more after tax than it was. The overtime calculator includes the deduction, and our guide to the no tax on overtime rule covers who qualifies.

Calculate overtime pay after tax →

Converting a salary to an hourly rate

To go the other way, divide the annual salary by 2,080. $60,000 a year is $60,000 ÷ 2,080 = $28.85 an hour. $100,000 is $48.08 an hour. If you regularly work more than 40 hours, divide by your real hours to see your effective rate: a $100,000 salary at 50 hours a week is $100,000 ÷ 2,600 = $38.46 an hour.

That effective rate is useful when weighing a salaried job against hourly or contract work, or when deciding whether a promotion with longer hours is really a raise. A move from a $70,000 job at 40 hours to an $80,000 job at 50 hours lowers the effective hourly rate from $33.65 to $30.77.

Convert a salary to an hourly rate →

Take-home pay depends on where you live

The chart's after-tax figures assume no state income tax. At $30 an hour, $62,400 a year, a single filer in Texas takes home about $52,318, while in Colorado, with its flat 4.4% income tax, it's about $50,281. The difference, about $2,037, is the Colorado income tax. Our state paycheck calculators give the exact figure for every state, including local income taxes where they apply.

Pre-tax deductions also change take-home pay. Health premiums and 401(k) contributions come out before income tax, so they reduce take-home pay by less than their full amount. Our guide to pre-tax and after-tax deductions shows the cost of each.

Run $30 an hour in Colorado →

Hourly or salaried: what to compare

Hourly employees are usually non-exempt, which means they're owed overtime pay for hours over 40. Most salaried employees are exempt, meaning no overtime pay, which is only allowed if they earn at least the federal salary threshold and do qualifying executive, administrative or professional work. A salaried role that regularly runs past 40 hours can pay less per hour than an hourly role at a lower nominal rate.

Beyond the rate, compare paid time off, health insurance premiums, retirement matching and schedule stability. A $26-an-hour job with no benefits and variable hours can be worth less than a $50,000 salary with health insurance, a 4% 401(k) match and three weeks of paid leave. Our guide to hourly versus salary pay works through that comparison in detail.

Other schedules: 12-hour shifts, 4×10s and 37.5-hour weeks

Not every full-time job is 40 hours. Many offices schedule 37.5 hours a week, which is 1,950 hours a year, so $30 an hour is $58,500 rather than $62,400. Nurses and others on three 12-hour shifts work 36 hours a week, or 1,872 hours a year: $45 an hour on that schedule is $84,240. A four-day, 10-hour schedule is still 40 hours, so it converts with the usual 2,080.

Schedules that rotate between 36 and 48 hours, common in some hospitals, police and fire departments, and manufacturing plants, need overtime included. In a two-week cycle of 36 and 48 hours, the 48-hour week has eight overtime hours, unless the employer uses a special 80-hour, two-week overtime period, which some hospitals are allowed to use. Check your pay stubs to see how your employer counts overtime before converting.

What a $1 raise is worth

A $1-an-hour raise is worth $2,080 a year at full-time hours, before tax. After tax it's less. For a single filer in the 12% bracket with no state income tax, about 19.65% comes off for federal income tax and FICA, so take-home pay rises about $1,671 a year, or $64 per biweekly check. In the 22% bracket, it's about $1,463 a year.

A percentage raise is easier to compare across wages. A 3% raise on $25 an hour is 75 cents, or $1,560 a year; on $45 an hour it's $1.35, or $2,808 a year. Our pay raise calculator shows the after-tax effect of any raise, by percentage or by dollar amount, in your state.

See what a raise adds to your take-home pay →

Shift differentials, holiday pay and bonuses

Many hourly jobs pay more for nights, weekends or holidays. A $2 night-shift differential on 24 hours a week adds $2 × 24 × 52 = $2,496 a year. Holiday pay at time-and-a-half or double time on six holidays adds more. Include these in your annual figure if they're regular, but leave out one-off bonuses when comparing base pay.

Shift differentials and holiday premiums also raise your regular rate for overtime purposes, so overtime hours worked during a differential shift are paid at 1.5 times the higher rate. That's required by federal law for non-exempt employees, and it's a common pay stub error worth checking.

Biweekly paychecks from an hourly wage

Hourly workers paid every two weeks receive pay for about 80 hours per check at full time, so gross biweekly pay is the hourly rate × 80. At $22 an hour, that's $1,760. Because there are 26 biweekly paydays, two months each year have three paychecks. If you budget on two checks a month, the third check is a useful buffer for savings or irregular bills.

Hourly paychecks vary with the hours worked in each period, including overtime and any unpaid time. If your hours swing a lot, base your annual estimate on an average of your last several paychecks rather than on 2,080 hours, and budget on the lower months rather than the average.

Setting an hourly rate as a contractor

Converting the other way is how freelancers and contractors set rates. If you want the equivalent of a $70,000 salary, $70,000 ÷ 2,080 gives $33.65 an hour, but that ignores three costs an employee doesn't carry. Self-employed workers pay both halves of Social Security and Medicare, an extra 7.65%. They pay for their own health insurance and retirement savings. And they're rarely billable for all 2,080 hours, because of time spent finding clients, invoicing and gaps between projects.

A common approach is to add up the target income, the extra self-employment tax and the cost of benefits, then divide by realistic billable hours, often 1,200 to 1,600 a year. On that basis, replacing a $70,000 salary with benefits can require $55 to $70 an hour. Our net to gross calculator and FICA calculator help with the tax side of that calculation.

See self-employment tax on $70,000 →

Hourly pay vs. total compensation

The hourly rate is only part of what a job pays. An employer also pays 7.65% Social Security and Medicare on top of your wages, usually covers most of the cost of health insurance, and may match retirement contributions. At $25 an hour full-time, the employer's FICA share alone is $3,978 a year, and a 4% 401(k) match adds $2,080. Paid holidays and vacation are part of the 2,080 hours you're paid for but don't work.

When an hourly job and a salaried job offer similar base pay, the difference in benefits often decides which one pays more. Put a dollar value on each benefit, add it to the annual pay from the formula above, and compare the totals rather than the hourly rates. If one job requires you to buy your own health insurance, include the premium as a cost.

Quick mental math

To estimate annual pay from an hourly rate in your head, double the rate and add three zeros: $22 an hour is about $44,000 (exact: $45,760). For monthly pay, multiply the hourly rate by 173 (2,080 ÷ 12), or roughly 175: $22 an hour is about $3,813 a month. For biweekly gross, multiply by 80: $22 × 80 = $1,760.

Going from a salary to hourly, halve the salary and drop the last three zeros: $64,000 a year is about $32 an hour (exact: $30.77). The quick estimate overstates the hourly rate by about 4%, so round down when you use it to compare offers.

Calculate your exact numbers

The hourly to salary calculator converts any rate at any number of hours and weeks. Each hourly page from $12 to $60 shows annual, monthly, biweekly and weekly pay with 2026 taxes, and the paycheck calculator for your state shows take-home pay after state and local taxes.

Browse hourly wage pages from $12 to $60 →