Annual Salary Calculator: Convert Any Pay Frequency to Yearly Income
Your annual salary is the foundation of every major financial decision — from qualifying for a mortgage to calculating retirement savings targets. Yet many workers are paid hourly, weekly, or monthly without a clear picture of their annual total. The conversion is straightforward in theory (multiply by the right number of periods), but the real answer depends on your actual hours, overtime patterns, paid holidays, and vacation days.
A standard full-time annual salary assumes 2,080 working hours (40 hours per week times 52 weeks). But if you receive 10 paid holidays and 15 vacation days, your actual working hours drop to 1,880 — a difference that matters when comparing hourly jobs to salaried positions. This calculator shows both the unadjusted annual figure (your total compensation) and the adjusted figure (reflecting your actual working time).
Whether you are converting a $25/hour wage to see if it meets a $50,000 threshold, translating a $4,800 monthly paycheck into annual terms for a loan application, or comparing a biweekly gross with an annual offer, this tool does the math across every standard pay frequency simultaneously.
Key Data & Statistics
| Metric | Value |
|---|---|
| Standard Annual Work Hours | 2,080 (40 hrs x 52 wks) |
| Adjusted Work Hours (avg) | 1,880 (after holidays + PTO) |
| Pay Periods: Weekly | 52 per year |
| Pay Periods: Biweekly | 26 per year |
| Pay Periods: Semi-monthly | 24 per year |
| Pay Periods: Monthly | 12 per year |
| Median US Annual Salary | ~$65,000 |
Pre-Calculated Examples
| Scenario | Gross | Net / Result | Details |
|---|---|---|---|
| $15/hour | $15/hour | $31,200/year | 40 hrs x 52 wks; adjusted ~$28,200 |
| $25/hour | $25/hour | $52,000/year | 40 hrs x 52 wks; adjusted ~$47,000 |
| $800/week | $800/week | $41,600/year | x 52 weeks |
| $3,500/biweekly | $3,500/biweekly | $91,000/year | x 26 pay periods |
| $6,000/month | $6,000/month | $72,000/year | x 12 months |
Calculate Your Salary
Salary Information
Enter your salary information to see all pay frequency conversions
Who Uses This Calculator?
Mortgage qualification
Lenders require annual income figures. Convert your hourly or monthly pay to annual salary to determine your debt-to-income ratio and borrowing capacity.
Job offer comparison
Standardize offers quoted in different frequencies — one hourly, another monthly, a third annual — into the same annual figure for direct comparison.
Tax preparation
Estimate your total annual earnings before tax season to plan estimated payments, adjust withholding, or anticipate your tax bracket.
Retirement planning
Determine your annual salary to calculate how much you should save for retirement using the common guideline of saving 15-20% of annual income.