Salary Calculator Convert hourly to annual, estimate take-home pay, and compare job offers — with taxes, benefits, RSUs, ...
Salary Calculator
Convert hourly to annual, estimate take-home pay, and compare job offers — with taxes, benefits, RSUs, and cost-of-living adjustments.
Standard Conversions** (assuming 40 hrs/week, 52 weeks/yr):
- Hourly → Annual**: $50/hr × 40 × 52 = **$104,000**
- Bi-Weekly → Annual**: $2,000 × 26 = **$52,000**
- Monthly → Hourly**: $8,333 ÷ 173.33 = **$48/hr** (173.33 = 2080/12 hrs)
⚠️ Caution**: Contractors/freelancers should add 25–30% for taxes, insurance, and retirement to match W-2 equivalents.
✅ Pro Tip**: Use 2080 hours/year (52 × 40) for full-time, or 1950 for PTO/vacation-adjusted.
⚠️ $100K salary ≠ $8,333/month take-home:
- Federal tax: ~$12,500 (single, $100K)
- State tax (CA): ~$4,200
- FICA: $7,650
- 401(k) 6%: $6,000
- Net: ~$69,650** → $5,800/mo
✅ Maximize Take-Home**:
- Contribute to HSA ($4,150 individual) → triple tax advantage
- Use pre-tax commuter benefits (up to $315/mo)
- Get full 401(k) match — it’s free money (ROI = 50–100%)
| Role | Base | Bonus | Equity | Total Comp |
|---|---|---|---|---|
| SWE L4 (FAANG) | $155K | $25K | $80K | $260K |
| Product Manager | $140K | $20K | $50K | $210K |
| Data Analyst | $95K | $10K | $15K | $120K |
📉 RSU Tax Trap**:
- 1,000 RSU @ $50 vest → $50,000 taxed as ordinary income
- Withhold 22% → $11,000 automatic → still may owe more at tax time
- Tip: Sell enough to cover taxes *at vest*, hold the rest for LTCG
➡️ Converter
“$75/hr → what’s that annual?” or “$6K/mo → hourly?”
➡️ Take-Home Pay
See net pay after federal/state tax, FICA, and retirement.
➡️ Job Offer
Value base + bonus + RSU + benefits — not just base salary.
➡️ COLA Adjuster
“$150K in SF = how much in Austin?” — purchasing power comparison.
Note: Uses 2025 IRS brackets, state tax averages, and BLS/O*NET work hours.