Hourly to Salary Calculator 2026
Convert an hourly rate to an annual salary, with weekly, biweekly and monthly equivalents.
Annualising an hourly rate
Multiply the rate by hours per week, then by weeks per year. At 40 hours over 52 weeks, $25 an hour is $52,000 a year. The shortcut is to double the rate and add three zeros, which is accurate to within a percent for a full-time schedule.
Set weeks per year honestly. Seasonal, academic-year and contract work often runs 40 to 48 weeks, and using 52 overstates the annual figure by thousands. The weeks field above exists for exactly that adjustment.
What an annual figure does not tell you
An annualised hourly rate assumes the hours keep coming. If your hours vary, calculate a low-week and a high-week annual figure and plan against the lower one. Lenders assessing a mortgage application for hourly workers typically average two years of earnings rather than taking a current rate at face value.
The comparison also ignores unpaid leave. An hourly worker who takes two weeks off unpaid earns 50 weeks, not 52, which is a 3.8% difference. A salaried worker taking the same two weeks earns the same.
The after-tax version
The figures on this page are gross. To see what an hourly rate is worth in your state after federal, state and payroll taxes, use the hourly paycheck calculator and enter the same hours.
2026 tax rates used on this page
| Item | Rate | Limit or threshold |
|---|---|---|
| Social Security (OASDI) | 6.2% | First $184,500 of wages, maximum $11,439 |
| Medicare | 1.45% | No cap |
| Additional Medicare | 0.9% | Wages above $200,000 single, $250,000 joint, $125,000 separate |
| Federal income tax | 10% to 37% | Seven brackets, after the standard deduction |
| Standard deduction | — | $16,100 single, $32,200 joint, $24,150 head of household |
| Federal supplemental rate | 22% | Applied to bonuses under the flat method |
| Dependent credits | — | $2,000 per child under 17, $500 per other dependent |
Sources: IRS Rev. Proc. 2025-32 and the Social Security Administration 2026 announcement. Verified 17 September 2026.
2026 federal brackets
| Rate | Single | Married filing jointly |
|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 |
| 12% | $12,400 to $50,400 | $24,800 to $100,800 |
| 22% | $50,400 to $105,700 | $100,800 to $211,400 |
| 24% | $105,700 to $201,775 | $211,400 to $403,550 |
| 32% | $201,775 to $256,225 | $403,550 to $512,450 |
| 35% | $256,225 to $640,600 | $512,450 to $768,700 |
| 37% | $640,600 and above | $768,700 and above |
Frequently asked questions
How do I convert an hourly rate to an annual salary?
Multiply the hourly rate by hours per week and then by weeks worked per year. At 40 hours for 52 weeks, $25 an hour equals $52,000 a year. Adjust weeks per year down if your work is seasonal or contract-based.
What is $20 an hour annually?
$41,600 a year at 40 hours a week for 52 weeks. That is about $3,467 a month gross, or $1,600 per biweekly paycheck before tax.
What is the quick way to annualise an hourly rate?
Double the rate and add three zeros. $18 an hour becomes roughly $36,000, and the exact figure at 2,080 hours is $37,440. The shortcut is a reasonable mental estimate, not a payroll figure.
Should I use 52 weeks if I get unpaid leave?
No. Use the number of weeks you are actually paid for. Two unpaid weeks means 50, which lowers the annual figure by about 4% compared with a 52-week assumption.
Does an annual figure from an hourly rate include overtime?
Only if you add it. Enter your typical weekly hours including overtime, or run the base hours here and treat overtime as a separate amount, since it is paid at 1.5 times the rate.
How does hourly pay affect a mortgage application?
Lenders generally want a two-year history for variable income and will average it rather than using your current rate. A steady hourly job with consistent hours is treated much like a salary; irregular hours are discounted.
Related calculators
These figures are estimates for informational purposes and are not tax advice. Actual withholding depends on your employer’s payroll system, your year-to-date wages and your specific W-4. Federal rates come from IRS Rev. Proc. 2025-32 and the SSA 2026 announcement; state rates come from each state’s own withholding guide, with the source and verification date published on every state page. Read the methodology, or see who maintains this data.