Understand your pay. See the bigger picture.
Compare pay across time periods, explore what additional income could add and consider the benefits in a compensation package. Open a question to see its planned calculator and what to have ready.
What would you like to work out?
These three calculators are in preparation. Open a question to see its planned purpose and what to have ready. You can keep more than one open.
Salary & Hourly Pay Calculator What is my pay worth per hour, month or year?
Salary & Hourly Pay Calculator
Compare hourly wages and salary across pay periods using your paid hours and weeks. This planned calculator will show gross-pay equivalents before taxes and deductions.
Before you start
Have your gross wage or salary, usual paid hours, paid weeks, unpaid time and pay frequency ready. Identify overtime, bonuses and commissions separately so the same pay is not counted twice.
Calculator in preparation
Second Income Calculator How much would a second income add after work costs and taxes?
Second Income Calculator
Explore how additional work income could change household cash after added costs, tax assumptions and benefit changes. The planned comparison will make those assumptions visible.
Before you start
Gather expected additional income, work hours, childcare, commuting and other added costs, plus changes to insurance or benefits. Use a before-and-after tax estimate or explicit incremental-tax assumptions; keep withholding separate from final tax liability.
Calculator in preparation
Total Compensation Calculator What are my pay and employer benefits worth together?
Total Compensation Calculator
Explore cash pay alongside employer-provided benefits and retirement contributions. The planned breakdown will distinguish benefit amounts from money available to spend and show relevant vesting assumptions.
Before you start
Gather salary and variable-pay details, employer benefit contributions, your premium costs, retirement-match terms and vesting, and paid-leave information. Do not add paid leave to salary again if that salary already covers the time off.
Calculator in preparation
A few useful distinctions
Is a salary-to-hourly conversion the same as take-home pay?
No. Gross-pay conversion compares earnings before taxes and payroll deductions. Take-home pay depends on withholding, employee benefit costs, retirement contributions and other deductions. A pay conversion also does not determine overtime eligibility or the pay rules that apply to your job.
Why might an extra paycheck add less to my household budget than expected?
Additional work can bring childcare, commuting and other costs, along with changes to taxes or benefits. Compare the household before and after the change over the same period. Do not subtract a full household tax bill from only the added income, or deduct costs again if they are already reflected in a take-home amount.
Can I treat every dollar of employer benefits like cash salary?
No. An employer’s cost for insurance or another benefit is not necessarily its personal value to you or money you can spend. Retirement matching depends on your plan’s terms, and some employer contributions vest over time. Keep cash pay, employer benefits and vested amounts distinct when comparing packages.
Official guides for a closer look
IRS: check federal income tax withholding
Explore federal withholding using the official estimator and review its eligibility and preparation guidance.
IRS: understand retirement matching contributions
Check your plan’s matching formula and the conditions for receiving employer contributions.
IRS: understand retirement-plan vesting
Learn how ownership of employee and employer contributions can differ.