Salary Calculator Guide: Hourly, Annual & Take-Home Pay
"$25/hour" and "$52,000/year" sound like different numbers but represent the same gross pay — most of the time. This guide explains the standard conversion, why it can mislead, and how to bridge the gap between a job offer's headline number and what actually lands in your bank account.
The Hourly ↔ Annual Conversion
- 2,080 = 40 hours/week × 52 weeks/year
This assumes a full-time, year-round schedule with no unpaid time off.
Example: $25/hour × 2,080 = $52,000/year. Conversely, a $60,000 salary = $60,000 ÷ 2,080 = $28.85/hour.
Overtime Changes the Math
If you're hourly and work overtime, the FLSA requires time-and-a-half (1.5×) above 40 hours/week. So 45 hours at $20/hour = (40 × $20) + (5 × $30) = $800 + $150 = $950/week, not 45 × $20 = $900.
If you're offered $60,000 but regularly work 50 hours/week, your effective hourly rate drops to $60,000 ÷ 2,600 = $23.08 — below what an hourly employee at $25 would earn for the same hours. Compare jobs on effective hourly rate, not headline salary.
Gross vs. Take-Home
Your salary is gross — before any deductions. Take-home (net) pay is what's left after:
- Federal income tax — progressive brackets, 10%–37%.
- State income tax — 0% (TX, FL, WA) to 13.3% (CA top rate).
- FICA — Social Security 6.2% + Medicare 1.45% = 7.65%.
- Benefits — health insurance premiums, 401(k) contributions (often 3–6%).
A $60,000 salary in a high-tax state might yield ~$42,000 take-home (70% of gross). In a no-tax state with cheaper benefits, it could be ~$46,000.
Comparing Job Offers
When evaluating offers, look beyond base salary:
- 401(k) match — a 5% match on $60K is $3,000 free per year.
- Health premium share — a $200/month difference = $2,400/year.
- Paid time off — 2 weeks vs. 4 weeks is a ~4% effective raise.
Put It Into Practice
Convert hourly to annual (or vice versa) and estimate take-home pay after tax and FICA.
"时薪 $25" 和 "年薪 $52,000" 听起来像不同的数字，但大多数时候它们代表相同的 gross pay。本指南解释了标准换算方法、为什么它可能产生误导，以及如何弥合工作邀约的标题数字与实际打入你银行账户之间的差距。
时薪与年薪的换算
- 2,080 = 40 小时/周 × 52 周/年
这假设了一个全年无休的全职工作安排，没有无薪假期。
示例：时薪 $25 × 2,080 = $52,000/年。相反，$60,000 的年薪 = $60,000 ÷ 2,080 = $28.85/小时。
加班费改变了计算方式
如果你是时薪员工且加班，FLSA 要求每周超过 40 小时的部分支付 1.5 倍（1.5×）的加班费。因此，45 小时 $20/小时 = (40 × $20) + (5 × $30) = $800 + $150 = $950/周，而不是 45 × $20 = $900。
如果你的薪资是 $60,000 但每周通常工作 50 小时，你的有效时薪会降到 $60,000 ÷ 2,600 = $23.08——低于时薪 $25 的员工在相同工作时间下的收入。比较工作时要看有效时薪，而不是标题薪资。
Gross vs. Take-Home
你的薪资是 gross——在任何扣款之前。Take-home (net) pay 是扣除以下项目后的剩余部分：
- Federal income tax —— 累进税率，10%–37%。
- State income tax —— 0%（TX, FL, WA）到 13.3%（CA 最高税率）。
- FICA —— Social Security 6.2% + Medicare 1.45% = 7.65%。
- Benefits —— 医疗保险费、401(k) 缴费（通常为 3–6%）。
在高税率州，$60,000 的薪资可能只能拿到约 $42,000 的 take-home（70% 的 gross）。在无税州且福利成本较低的地方，可能拿到约 $46,000。
比较工作邀约
在评估邀约时，不要只看基础薪资：
- 401(k) match —— 对 $60K 薪资的 5% 匹配相当于每年 $3,000 的免费收入。
- Health premium share —— 每月 $200 的差异 = 每年 $2,400。
- Paid time off —— 2 周 vs. 4 周相当于约 4% 的有效加薪。
付诸实践
将时薪转换为年薪（或反之），并估算扣除税款和 FICA 后的 take-home pay。
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