You said $85,000. But what do you really earn per hour of your life?
Your salary number is a fiction. This calculator reveals your true hourly wage by deducting federal taxes (2025 brackets), state taxes, FICA (Social Security + Medicare), health insurance premiums, 401k contributions, and commute costs from your gross pay.
Then it divides by your actual working hours — not the standard 2,080, but YOUR hours including overtime and minus PTO. The gap between your stated hourly rate and your true hourly rate is usually 20-40%.
Compare two job offers side-by-side to see which one actually pays more per hour of your life. Supports all 50 states. Your data never leaves your browser.