Exact biweekly, monthly, and annual take-home pay for $15/hour workers. Updated for 2025 tax rates.
🔒 No data stored📊 2025 IRS brackets⚡ Instant results✓ Federal and FICA taxes only — no state income tax applied.
💡 Quick Answer — $15/hour Take Home Pay (Single Filer, Federal + FICA)
Per Hour
$13.03
after tax
Weekly
$521.30
$600.00 gross
Biweekly
$1,042.60
$1,200.00 gross
Monthly
$2,258.97
$2,600.00 gross
Annual
$27,107.70
$31,200.00 gross
🧮 $15/Hour After Tax Calculator — Customize Your Estimate
ℹ️
What's included: Federal income tax (2025 IRS brackets) + Social Security 6.2% + Medicare 1.45% — federal & FICA only. Bracket-based estimate — not exact payroll withholding.
Pay Type
Your Take Home Pay
$0.00
per period
Description
Per Paycheck
💵 Gross Pay
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🏛 Federal Income Tax
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🔒 Social Security (6.2%)
—
🏥 Medicare (1.45%)
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🗺 State Income Tax (not included)
—
Total Deductions
—
✅ Net Take Home Pay
—
⚠️ Estimate only. Does not include W-4 adjustments, pre-tax deductions (401k, HSA), local taxes, or year-to-date Social Security limits.
📊 Your Paycheck Breakdown — Live Chart
Calculate above to update. Shows how your gross pay is split between take-home and taxes.
Dollar Split (per paycheck)
Take Home
Fed
SS
Take HomeFederal TaxSocial SecurityMedicareState Tax
Take Home % of Gross
72%Take Home
Take Home—
Federal Tax—
Social Security—
Medicare—
State Tax—
How We Calculate $15/Hour After Tax
Here is the exact math for a single filer earning $15/hour, working 40 hours per week, paid biweekly. This uses 2025 IRS tax brackets and current FICA rates.
Worked Example — $15/hour, Single, Biweekly Pay
Hourly Rate
$15.00
Hours per Biweek
80 hours
Gross Pay (per check)
$1,200.00
Annual Gross
$31,200.00
Federal Standard Deduction (2025)
− $15,000
Federal Taxable Income
$16,200.00
Federal Income Tax (annual)
− $1,705.50
Social Security (6.2%)
− $1,934.40
Medicare (1.45%)
− $452.40
Annual Net Take Home
$27,107.70
Biweekly Take Home
$1,042.60
The effective tax rate on a $15/hour salary is approximately 13.1% — meaning you keep roughly 86.9% of your gross earnings. This calculation covers federal income tax only. State income tax would reduce take-home further depending on your state of residence.
Your Biweekly Budget at $15/Hour
With a biweekly take-home of $1,042.60, here is a rough monthly budget estimate (two paychecks = $2,085.21/month, which approximates your $2,258.97 monthly net):
Housing (30% rule): Up to $677.69/month on rent or mortgage
Food & Groceries: Budget approximately $271.08/month
Transportation: Budget approximately $338.85/month
Savings (10–15% goal): $225.90–$338.85/month
$15/Hour — Per Biweekly Paycheck Breakdown
Based on $15/hour × 80 hrs, single filer, 2025 IRS brackets
Take Home$1,042.60 (86.9%)
Federal Tax$65.60 (5.5%)
Social Security$74.40 (6.2%)
Medicare$17.40 (1.5%)
How $15/Hour Compares to Nearby Wages
Annual take-home pay comparison — federal + FICA only — single filer, federal + FICA only. Green = take home, blue = federal tax.
$22.1k
$12/hr
$23.8k
$13/hr
$25.4k
$14/hr
$27.1k
$15/hr
$30.5k
$17/hr
Annual Take HomeFederal Tax
Frequently Asked Questions — $15 an Hour After Tax
Working 40 hours a week at $15/hour gives you a gross annual income of $31,200.00. After federal income tax ($1,705.50 annually), Social Security ($1,934.40), and Medicare ($452.40), your estimated annual take-home pay is $27,107.70 — or $1,042.60 per biweekly paycheck and $2,258.97 per month. Federal and FICA taxes only — no state income tax applied.
At $15/hour ($31,200.00/year), your monthly take-home of approximately $2,258.97 can support a modest lifestyle in lower cost-of-living areas. In higher-cost cities like New York or San Francisco, this wage would be stretched thin. The federal poverty line for a single person in 2025 is approximately $15,650/year, so $15/hour is well above that threshold.
For a $15/hour worker paid biweekly (80 hours per check), the deductions per paycheck are: federal income tax approximately $65.60 (based on 2025 brackets after the $15,000 standard deduction), Social Security $74.40 (6.2%), and Medicare $17.40 (1.45%). Total federal and FICA deductions per biweekly check: approximately $157.40. State income tax varies by location.
At $15/hour working 40 hours per week, your gross monthly income is $2,600.00. After estimated federal income tax, Social Security, and Medicare, your monthly take-home pay is approximately $2,258.97. This assumes a consistent 40-hour workweek — overtime hours would increase your gross but also push more income into higher tax brackets.
$15 per hour × 40 hours × 52 weeks = $31,200.00 gross annual salary. This is the standard full-time equivalent calculation. After taxes, your estimated annual take-home is $27,107.70, an effective deduction rate of 13.1%. Part-time workers at $15/hour (e.g., 20 hours/week) would earn $15,600.00 gross annually and take home approximately $14,346.60.
The most effective way to increase take-home pay without a raise is to maximize pre-tax deductions. Contributing to a 401(k) reduces your federal taxable income dollar-for-dollar. An HSA (if eligible) provides a triple tax advantage. Review your W-4 — if you're getting a large refund each year, you're over-withholding and can increase each paycheck. Overtime also increases gross pay, though at a higher marginal tax rate.
In Texas or Florida (no state income tax), $27,107.70 is your estimated annual take-home. In California, you'd pay an additional 5–8% in state income tax on most of that income, reducing take-home by roughly $1,872.00. In Alabama or North Carolina (4–4.25% state rate), the reduction is smaller — approximately $1,248.00–$1,326.00 annually. Use our state calculator pages for exact state-inclusive estimates.
A biweekly paycheck at $15/hour covers 80 hours of regular work. Gross pay per biweekly check: $1,200.00. After federal income tax ($65.60), Social Security ($74.40), and Medicare ($17.40), your estimated net biweekly take-home is $1,042.60. If you work overtime, your gross increases by $22.50 for each additional hour at the 1.5x overtime rate.
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This calculator uses official 2025 IRS tax tables, the 2025 Social Security wage base of $176,100 from the SSA, and current FICA rates. Results are bracket-based estimates — not exact payroll withholding calculations. Actual take-home pay depends on W-4 elections, pre-tax deductions, and local taxes.