Income breakdown calculator
Convert any pay frequency into every other — gross and net — with a single estimated deduction percentage.
Calculator personalLogic updated April 2026
This calculator converts an income figure in any of six pay frequencies — hourly, daily, weekly, fortnightly, monthly, or annual — into all six frequencies, with a single user-supplied deduction percentage applied to derive net (take-home) numbers. It's the right tool for comparing job offers across different pay structures or sense-checking what an hourly rate translates to in monthly take-home.
How this is calculated
Formula
annualGross = inputAmount × frequencyToAnnual ; annualNet = annualGross × (1 − deduction%/100) ; eachFrequency = annual ÷ periodsPerYearStep-by-step
- Identify the input frequency (hourly, daily, weekly, fortnightly, monthly, or annual)
- Convert the input amount to annual gross using standard period counts: 12 months, 26 fortnights, 52 weeks, or hourly/daily via hours-per-week and weeks-per-year
- Apply the deduction percentage to the annual gross to derive annual net
- Divide the annual figures by the relevant period count to express each frequency
- For hourly and daily, use the user-supplied hours-per-week and weeks-per-year (defaults to a 5-day week, 52 weeks)
- Rounding mode
- ROUND_HALF_UP
- Precision
- 20-digit internal precision (Decimal.js), rounded to 2 decimal places for display
- Logic last reviewed
Assumptions & limitations
What this calculator assumes
- Standard 5-day work week for daily-rate derivation
- Standard 52 weeks / 26 fortnights / 12 months per year for frequency conversion
- Hours per week and weeks per year apply only to hourly rate derivation
- Deduction percentage is user-supplied — not based on any tax table or jurisdiction
What this calculator doesn’t account for
- Doesn't model progressive tax brackets — uses a single flat deduction percentage
- Doesn't include employer-side contributions (retirement, insurance) — those are above the gross figure
- Doesn't account for variable hours, shift loadings, overtime, or commission structures
- Doesn't model tax withholding patterns (PAYG, PAYE, withholding) that may differ from year-end tax
- Doesn't include public holidays, leave entitlements, or unpaid time off
Worked example
A worker is paid $35/hour and wants to see what that translates to across all frequencies, working 38 hours/week, 48 weeks/year, with a 25% deduction estimate for tax and other deductions.
| Input | Value |
|---|---|
| Hourly rate | $35 |
| Hours per week | 38 |
| Weeks per year | 48 |
| Deduction | 25% |
Annual gross: $63,840 — Annual net: $47,880 — Monthly net: $3,990 — Weekly net (52 weeks): $920.77
Annual gross = $35 × 38 × 48 = $63,840. Net = $63,840 × 75% = $47,880. Monthly = $47,880 ÷ 12 = $3,990. Weekly figures use the standard 52-week conversion for periodic frequencies (so weekly net = $47,880 ÷ 52 ≈ $920.77), which differs from the 'paid weeks' input because pay is annualised across the full year. The hours/weeks inputs only affect the annualisation step from the hourly rate.
Frequently asked questions
What is an effective hourly rate?
Your true cash-per-hour-worked, calculated from your annual income divided by the hours you actually work in a year. A salaried role at $90,000 with 40 hours/week and 4 weeks of leave gives an effective rate of $90,000 ÷ (40 × 48) = $46.88/hour. The headline salary often hides this — comparing two roles by effective hourly rate (rather than annual figure) sometimes flips which one is the better deal.
How does commute time affect my real pay?
Commute is unpaid time you wouldn't spend if you didn't have the job — economically it's part of the 'cost' of working. A 1-hour daily commute (round trip) over 48 weeks adds 240 unpaid hours per year. Including those in the denominator drops effective hourly pay by 5–8%. When comparing job offers, factor in travel time alongside the salary — a closer job at slightly lower pay can easily come out ahead.
Should I compare jobs by salary or hourly rate?
Hourly rate is more honest because it normalises for hours worked. A $120,000 role at 60 hours/week ($38/hour) is worse pay-per-hour than a $90,000 role at 38 hours/week ($46/hour). Salary comparisons hide working-hour differences; hourly rate exposes them. The exception is roles where output (not hours) determines pay — sales, contracting, equity-heavy roles.
What work-related costs reduce my effective pay?
Commute (fuel, transit fares), parking, work clothing, lunches out, professional dues, equipment not covered by the employer, and childcare made necessary by the job. These reduce true take-home pay below the calculated net figure. A $90,000 net job with $7,000 of work-related costs is functionally a $83,000 job — relevant when comparing two roles with different cost profiles.
Why does the deduction percentage need to be user-supplied?
Because deduction rates vary by jurisdiction, by income bracket, and by individual circumstances (dependants, deductions, retirement contributions). This calculator is designed to be globally applicable, so it doesn't bake in any country's tax tables. Look up your effective average tax rate (total tax ÷ gross income) from a recent payslip or pay summary and use that figure for the most accurate net calculation.
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