Full breakdown: gross pay, taxes, and take-home across states and schedules (2025-2026)
gross annual salary at 40 hours/week
Here's what $15/hour actually looks like after federal and California state taxes:
| Filing Status | Annual Gross | Total Taxes | Annual Net | Biweekly Net | Hourly Net |
|---|---|---|---|---|---|
| Single | $31,200 | -$5,818 | $25,382 | $976 | $12.20 |
| Married jointly | $31,200 | -$5,194 | $26,006 | $1,000 | $12.50 |
| Head of household | $31,200 | -$5,444 | $25,756 | $991 | $12.38 |
Based on 2025-2026 federal brackets + CA state tax + FICA. Does not include health insurance, 401k, or union dues. Use our Net Pay Calculator for personalized results.
| Deduction | Annual | Per Paycheck (2wk) |
|---|---|---|
| Federal Income Tax | -$2,496 | -$96 |
| California State Tax | -$936 | -$36 |
| Social Security (6.2%) | -$1,934 | -$74 |
| Medicare (1.45%) | -$452 | -$17 |
| Total Taxes | -$5,818 | -$224 |
| Net Take-Home | $25,382 | $976 |
Many healthcare and shift workers do 36-hour weeks:
The same $15/hour gives you very different take-home depending on your state:
| State | Annual Gross | Annual Net | Monthly Net | Difference vs TX |
|---|---|---|---|---|
| Texas (no tax) | $31,200 | $26,317 | $2,193 | baseline |
| Florida (no tax) | $31,200 | $26,317 | $2,193 | $0 |
| Washington | $31,200 | $26,161 | $2,180 | -$156/yr |
| New York | $31,200 | $24,601 | $2,050 | -$1,716/yr |
| California | $31,200 | $25,038 | $2,087 | -$1,279/yr |
Estimates for single filer, standard deduction. Use our calculator for exact figures.
| Schedule | Hours/Week | Annual Gross | Biweekly Gross | Extra vs 40hr |
|---|---|---|---|---|
| Standard | 40 | $31,200 | $1,200 | — |
| Light OT (5hrs) | 45 | $37,050 | $1,425 | +$5,850/yr |
| Moderate OT (10hrs) | 50 | $42,900 | $1,650 | +$11,700/yr |
| Heavy OT (20hrs) | 60 | $54,600 | $2,100 | +$23,400/yr |
OT rate: $22.50/hr (1.5x). You typically keep 60-65% of overtime after higher marginal taxes.
| Shift | Effective Rate | Annual (40hr/wk) | Extra per Year |
|---|---|---|---|
| Day (base) | $15.00/hr | $31,200 | — |
| Evening (+$2.50/hr) | $17.50/hr | $36,400 | +$5,200/yr |
| Night (+$4.00/hr) | $19.00/hr | $39,520 | +$8,320/yr |
| Weekend (+$3.00/hr, 16h/wk) | $18.00/hr | $33,696 | +$2,496/yr |
See our differential guide for real hospital data.
| Schedule | Hours/Week | Annual Gross | Monthly Gross |
|---|---|---|---|
| Part-time | 20 | $15,600 | $1,300 |
| 3x12 shifts | 36 | $28,080 | $2,340 |
| Standard full-time | 40 | $31,200 | $2,600 |
| 4x10 shifts | 40 | $31,200 | $2,600 |
| Mandatory OT (48hr) | 48 | $40,560 | $3,380 |
| Period | Gross | Net (Single, CA) |
|---|---|---|
| Hourly | $15.00 | $12.20 |
| Daily (8hr) | $120 | $98 |
| Weekly | $600 | $488 |
| Biweekly | $1,200 | $976 |
| Monthly | $2,600 | $2,115 |
| Annual | $31,200 | $25,382 |
WAGETru shows verified paychecks from real employees — not estimates.
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