Hourly Wage Calculator

How to use the weekly timecard

Open the timecard for a separate record of one Monday-Sunday week. Enter the hourly rate from your own agreement in USD, then the start time, end time and total unpaid break for each shift. The rate is independent of the salary calculator and stays in USD even if you select the UK or EU above. Blank rate is incomplete; an explicit $0 rate is allowed. Blank break means 0 minutes. Days with both times blank, break blank or 0 and Same day are left out, while identical start and end times on the same day count as zero hours.

For example, 09:00 to 17:30 with a 30-minute unpaid break is 8 worked hours. At $20 per hour, the straight-time estimate is $160.00. Five such days give 40 hours and $800.00. A 22:00 to 06:00 shift requires Next day; with a 30-minute unpaid break it counts as 7 hours 30 minutes, or $150.00 at $20 per hour. The calculator never guesses that an earlier end time means the next morning.

Is this my final weekly pay?

No. The timecard multiplies all worked minutes by one entered rate, including time beyond 40 hours, without deciding whether overtime rules apply. It does not feed those hours into the salary calculator, apply its tax rules or change any of its inputs. Compare this straight-time estimate with your own time record; use your employer's payroll process to establish premiums, deductions and actual pay.

What if a shift crosses the week or a clock change?

Enter each shift on the day it starts. Sunday overnight work is included even though it finishes on Monday; the tool does not split hours at a payroll-week boundary. Each entry must be no longer than 24 hours and must not overlap the following entered shift. Because no dates or time zones are entered, elapsed time is based only on the clock readings, with no daylight-saving adjustment. Multiple shifts on one day, clock rounding policies and dated payroll periods need a separate time record.

What happens to incomplete entries?

Entering just one time, using an invalid clock time or subtracting more break than the shift duration clears the timecard results until corrected. A blank break uses 0 minutes before and after sharing. A complete zero-hour shift or a $0 rate still produces a valid $0.00 estimate. Copy timecard link preserves the entered values, including the explicit end date choice, so you can reopen the same calculation.

Why some years have 27 paydays

A year is 52 weeks plus one day (two in a leap year), so a biweekly schedule slowly drifts and picks up an extra payday about once every eleven years. 2027 starts and ends on a Friday, which gives it 53 Fridays. A biweekly Friday schedule whose first payday is January 1, 2027 lands on every other Friday through December 31: 27 paydays, with three in January, July and December. The other Friday schedule, starting January 8, gets the usual 26, with three in April and October.

The New Year's Day catch

January 1, 2027 is a Federal Reserve holiday. Many employers pay the business day before when payday lands on a bank holiday, which moves that paycheck to Thursday, December 31, 2026. On your pay stubs that schedule then shows 27 paydays in 2026 and 26 in 2027, which is why articles disagree about whether 2027 has 26 or 27. December 31, 2027 is not affected: New Year's Day 2028 falls on a Saturday, and for Saturday holidays the Reserve Banks "will be open the preceding Friday" (Federal Reserve holiday schedule).

Your employer sets the actual schedule and its holiday rule, so treat these counts as a check against your company's pay calendar. If your salary is divided evenly across paychecks, an extra payday means each check is about 3.7% smaller than in a 26-payday year (26 ÷ 27 = 0.963); some employers divide by 26 instead and pay a full extra check.

Biweekly paydays in 2027 by first payday

Weekday first paydays only. “Paydays” keeps every calendar date. The last column moves paydays that land on a weekend or Federal Reserve holiday to the business day before and counts only those still paid in 2027.

Weekly paydays in 2027 by weekday

Federal Reserve holidays, 2026-2027

Banks generally don't settle direct deposits on Federal Reserve holidays, so the Fed's holiday schedule is the one that usually moves paydays. When a holiday falls on a Sunday the Reserve Banks close the following Monday; when it falls on a Saturday they stay open the Friday before.

One calculator, three different rulebooks

Hourly pay looks like it should be simple arithmetic, and within one country it mostly is. Across countries it isn't, because the things that surround the hourly rate (paid holiday, overtime premiums, mandatory contributions) are built on completely different foundations. A calculator that ignores this will hand you a confident number that happens to be wrong.

The clearest example is paid holiday. In the United Kingdom every hour you work earns you a fraction of paid leave. In the United States federal law requires no paid holiday at all. Those two facts produce meaningfully different annual figures from the same hourly rate, which is why this page asks for your region before it asks for anything else.

United States: no holiday floor, but overtime bites

There is no federal requirement to provide paid vacation, paid holidays, or paid sick leave to private-sector workers. Paid time off exists widely, but as a benefit employers choose to offer rather than a statutory floor. What federal law does require is overtime: hours beyond 40 in a workweek must be paid at one and a half times the regular rate for covered non-exempt employees.

The minimum wage is layered. The federal floor has sat at $7.25 since 2009, and twenty states still use exactly that. Thirty states and the District of Columbia set their own higher rates: Washington State at $17.13, Connecticut $16.94, California $16.90, with DC highest at $18.40 (raised on July 1). Most states adjust on 1 January. New York even splits internally, with a higher rate for New York City, Long Island and Westchester than for the rest of the state. Whichever rate is highest is the one that applies to you.

On deductions, FICA is not a flat 7.65%. Social Security takes 6.2% but only up to the $184,500 wage base, so it stops entirely above that. Medicare takes 1.45% with no cap, and an Additional Medicare 0.9% applies to wages over $200,000. Overtime counts as wages for all three. Federal and state income tax sit on top and depend on your filing status and withholding choices, so this calculator leaves them out rather than guessing.

United Kingdom: the 12.07% rule

Every worker is entitled to 5.6 weeks of paid holiday a year. For people on fixed hours that's simply booked as leave, but for irregular-hours and zero-hours workers it's converted into an accrual rate. Take 5.6 weeks of holiday out of a 52-week year and 46.4 working weeks remain; 5.6 divided by 46.4 gives 12.07%. Each hour worked therefore earns 12.07% of an hour of paid holiday: 68 hours in a month accrues roughly 8.2 hours of leave.

The minimum wage is banded by age rather than being a single number. From April 2026 the National Living Wage for workers 21 and over is £12.71, those aged 18 to 20 get £10.85, and under-18s £8.00. Deductions come through PAYE: employee National Insurance plus income tax, both calculated against annual thresholds rather than as flat percentages, which is why the take-home figure here is an estimate rather than a payslip.

European Union: a floor, then wide variation

EU law guarantees at least four weeks of paid annual leave, and most member states go beyond it. Beyond that shared floor the picture fragments quickly. Minimum wages range from about €1,381 a month in Spain to €2,391 in Ireland, with Germany at €13.90 per hour since January 2026 (roughly €2,409 a month at full-time hours) and France, the Netherlands and others sitting in between. Six member states have no statutory minimum wage at all and rely on collective agreements instead.

Social contributions vary even more than wages do, which is why this calculator asks you to enter your own rate for the EU rather than pretending one number fits. Germany's combined employee contributions land around 20%, while other member states differ substantially in both rate and structure. Your payslip or national tax authority is the reliable source.

What is $25 an hour per year?

At 40 hours a week for 52 weeks, $25 an hour is $52,000 a year before deductions: $4,333 a month or $1,000 a week. FICA takes $3,978 of that: Social Security $3,224 (6.2%) plus Medicare $754 (1.45%), leaving $48,022 before federal and state income tax, which this calculator does not estimate. Enter your own rate above to see the same breakdown.

What this calculator assumes

• Monthly figures = weekly pay × 52 ÷ 12, annual = weekly × 52
• US: overtime hours paid at 1.5×, Social Security 6.2% up to the $184,500 wage base, Medicare 1.45% uncapped, Additional Medicare 0.9% over $200,000, income tax excluded
• UK: optional holiday accrual 12.07% of hours worked (5.6 ÷ 46.4) for irregular-hours or part-year workers, estimated employee NI and income tax (20% / 40% / 45% bands, England, Wales and Northern Ireland) against standard thresholds
• EU: paid leave is already paid within the annual figure (entering weeks doesn't change the total), monthly minimums converted to hourly at each country's full-time week (IE 39, NL 36, FR 35, ES 40), deductions entered manually
• Minimum wages as of 2026: US federal $7.25 plus state rates, UK from April 2026, EU per Eurostat January 2026

This is a general estimate, not payroll or legal advice. Rates change on different schedules in each jurisdiction and individual circumstances vary. Check your payslip, contract, or national authority before relying on these numbers.

Frequently asked questions

Why does the calculator change when I switch region?

Because the underlying rules genuinely differ. The US has no statutory paid weekly holiday but requires overtime at 1.5× beyond 40 hours a week. The UK accrues paid holiday at 12.07% of hours worked. EU countries guarantee a minimum of four weeks' annual leave, with most going further. Applying one country's model to another gives you a wrong number, so each region gets its own.

Where does the UK's 12.07% come from?

Statutory holiday entitlement is 5.6 weeks a year, which leaves 46.4 working weeks. 5.6 ÷ 46.4 = 12.07%, so each hour worked accrues 12.07% of an hour of paid holiday. Someone working 68 hours in a month accrues about 8.2 hours of paid leave. This is the standard method for irregular-hours and zero-hours workers.

How accurate is the take-home figure?

It is an estimate of the main statutory deductions, not a payslip. For the US it applies Social Security at 6.2% up to the $184,500 wage base, Medicare at 1.45% with no cap, and Additional Medicare at 0.9% above $200,000. Federal and state income tax are left to you, since those depend on filing status and withholding. For the UK it applies National Insurance at 8% between £12,570 and £50,270 and 2% above that, then income tax at 20/40/45% including the personal allowance taper that removes £1 of allowance for every £2 earned over £100,000. Scotland sets its own six income tax bands, so figures there will differ. For the EU, contribution rates vary far too much between countries to hard-code, so you can enter your own percentage.

Are the minimum wage figures current?

They reflect 2026 rates at the time of writing: the US federal floor of $7.25 (unchanged since 2009) with state rates layered on top, UK National Living Wage rates from April 2026, and EU figures from Eurostat's January 2026 release. Rates change (most US states adjust on 1 January, the UK in April), so check your local authority before relying on these for anything important.

Should I enter hours per week or per month?

Use whichever you actually know. Weekly is simplest for a fixed schedule. If your hours swing around, enter the monthly total instead and the calculator works out your weekly average, which is what holiday accrual and overtime thresholds are based on.

Are there 27 pay periods in 2027?

Only on a biweekly schedule whose first payday is Friday, January 1, 2027. It then runs every other Friday through December 31. But January 1 is a Federal Reserve holiday, and many employers pay the business day before, on Thursday, December 31, 2026. That leaves 26 paydays in 2027 and 27 in 2026. The other Friday schedule, starting January 8, has 26 paydays in 2027.

Which months have three paychecks in 2027?

On the biweekly Friday schedule that starts January 8, 2027, April and October have three paydays. On the schedule that starts January 1 it is January, July and December, or just July and December if the January 1 payday is moved back to December 31, 2026. Weekly Friday paydays come five times in April, July, October and December 2027 (and in January too if January 1 is paid that day).

How much is $25 an hour per year?

$52,000 a year at 40 hours a week for 52 weeks ($4,333 a month, $1,000 a week). FICA takes $3,978 (Social Security $3,224 plus Medicare $754), leaving $48,022 before federal and state income tax, which this calculator does not estimate.