U.S. Salary & Career Tools · 2026 Rates

Free Salary, Paycheck, and Job Application Tools for U.S. Workers

Convert salary to hourly pay, estimate your take-home check after taxes, build resume bullets, draft cover letters, and prepare interview answers — all in one place, no signup required.

Eman Ali Mughal, founder of USAJobsKit Built by Eman Ali Mughal · Updated May 12, 2026
50+
Salary & Pay Tools
40
State Paycheck Calculators
10
Resume Tools
8
Cover Letter Tools
Browse Salary Tools State Paycheck Calculators

About USAJobsKit

USAJobsKit is a small, independent toolkit for people navigating the US job market, whether you're comparing offers, figuring out your real take home pay, switching from W-2 to contracting, or writing your first résumé in years.

Every calculator here uses current 2026 federal tax brackets, the year's Social Security wage base, and Medicare's flat 1.45% rate (plus the 0.9% additional Medicare tax above $200,000). State paycheck calculators pull from each state's Department of Revenue. The writing tools — résumé summaries, cover letters, LinkedIn headlines, interview answers — give you a starting draft you can edit, not generic templates.

Nothing you type into any tool leaves your browser. There's no signup, no email collection, no paywall.

Salary & Pay Tools

Convert between pay frequencies, estimate take-home pay, calculate overtime, and run W-4 and self-employment tax scenarios — 50+ tools in total.

Salary to Hourly

Divide annual salary by your actual working hours per year — handles 40-hour weeks, part-time, and weeks of unpaid leave.

Most common conversion

Hourly to Salary

Project an hourly wage into a full-year salary equivalent — useful when comparing a contract rate to a salaried offer.

Offer comparison

Gross to Net

Subtract federal tax, FICA (7.65%), state tax, and pre-tax deductions from gross pay to show your actual deposit.

Federal + FICA + state

Overtime Calculator

Apply the FLSA 1.5× rule for hours over 40 per week. Optional inputs for weighted average overtime when you work two roles.

FLSA-compliant

W-4 Calculator

Test how Step 2, 3, and 4 entries on the 2026 W-4 affect each paycheck. Useful before submitting a new W-4 to HR.

2026 form

Self-Employment Tax

Calculate the 15.3% SE tax (12.4% Social Security + 2.9% Medicare) on net 1099 earnings, including the deductible employer-equivalent half.

1099 / Schedule SE
View All 50+ Salary Tools

State Paycheck Calculators

Each state calculator applies that state's income tax brackets and common local rules. Showing six of 40 — California has 9 progressive brackets, Texas has no state income tax, New York layers in NYC and Yonkers tax for residents.

California

Handles California's 9-bracket progressive income tax (1% to 12.3%) plus the 1% Mental Health Services Tax on income over $1M, and SDI.

9 brackets + SDI

Texas

Texas has no state income tax, so the calculator focuses on federal withholding, FICA, and any voluntary deductions you set.

No state income tax

Florida

No state income tax in Florida. The tool covers federal tax, FICA, and pre-tax 401(k) or HSA deductions affecting your check.

No state income tax

New York

Includes NY State's 9 brackets (4% to 10.9%) and adds NYC resident tax (3.078% to 3.876%) or Yonkers tax when applicable.

State + NYC tax

Illinois

Applies Illinois's flat 4.95% income tax with the standard personal exemption and any dependent allowances you enter.

Flat 4.95%

Washington

Washington has no income tax, but the tool includes Paid Family & Medical Leave (PFML) and WA Cares premiums on your check.

PFML + WA Cares
View All 40 State Calculators

Resume, Cover Letter, LinkedIn & Interview Tools

Generators that produce editable starting drafts — not locked templates — so you can paste them into your résumé, LinkedIn, or interview notes and adjust.

Resume Tools

10 generators

Summary, objective, headline, bullet points, skills section, accomplishments, keywords, and an ATS scanner that scores your résumé against a job description.

Cover Letter Tools

8 generators

General cover letter, job-specific letter, customizable template, plus four resignation letter formats (immediate, two-weeks notice, professional, template).

LinkedIn Tools

5 generators

Headline, About summary, professional bio, post writer for engagement, and connection request messages that don't sound like spam.

Interview Tools

2 generators

STAR-format behavioral answer builder and a "Tell me about yourself" generator using the Present-Past-Future structure. More interview tools shipping monthly.

Quick Salary to Hourly Estimator

A two-step preview — enter your salary, get your hourly rate. For full breakdowns including taxes, open the dedicated calculator.

Why USAJobsKit Exists

Most pay calculators online either gate features behind signup, show ads inside the result, or use outdated tax tables. This site doesn't.

Nothing Leaves Your Browser

Every calculation runs client-side in JavaScript. Your salary, deductions, and personal numbers are never sent to a server, never stored, and never shared.

Updated for 2026

Federal brackets, the $176,100 Social Security wage base, the W-4 form, and state tax tables are all refreshed for the 2026 tax year — not 2023 numbers in 2026 clothing.

Tools, Not Just Articles

Each page actually computes something or generates something usable. No "ultimate guides" padded with affiliate links — you came for a calculator or a draft, and that's what loads.

Free, No Signup

Every tool is free without an email gate, paywall, or "free trial" lock. The site is funded by display ads, which load below the fold so they don't interrupt your work.

Works on Your Phone

The calculators are designed mobile-first. Number pads pop up for numeric inputs, tap targets are oversized, and results never get cut off on small screens.

One Person Behind It

USAJobsKit is built and maintained by Eman Ali Mughal. Contact information is public, the LinkedIn is real, and you can reach a human if a calculation looks wrong.

Using the Site in 3 Steps

Most visitors arrive looking for one number. Here's how to get to it without wading through menus.

Pick a Category or Search

Use the hero search box, or jump to Salary Tools, Paycheck Calculators, Resume Tools, or Interview Tools from the menu.

Enter Your Numbers

Most tools take 30 seconds. The Paycheck Calculator asks for salary, state, pay frequency, and pre-tax deductions — that's it.

Copy or Save the Result

Results display instantly. Writing tools have a copy button; calculators show a full breakdown you can screenshot or print.

Start With Salary Tools

About the Author

USAJobsKit is run by one person. Here's who that is.

Portrait of Eman Ali Mughal View LinkedIn
Founder & Developer

Eman Ali Mughal

Builds, writes, and maintains every tool on USAJobsKit

I started USAJobsKit in April 2026 after spending too many hours stitching together three different calculators just to figure out what a job offer actually paid after taxes. My goal with the site is straightforward: one place, accurate numbers, no signup walls, and explanations that don't talk down to the reader.

I personally write the calculator logic, verify each year's tax tables against IRS Publication 15 and state Department of Revenue documents, and edit every résumé and cover letter generator template before it goes live. If a number on this site is wrong, I'm the person to email.

Web development U.S. payroll & tax calculations Résumé and ATS optimization Interview prep frameworks
Full About Page Email Me

Site Information & Policies

The site's policies, contact details, and disclaimers are all one click away — required reading if you're using the tax tools for anything beyond rough estimates.

About Us

Site mission

Who runs this site, why it exists, and the editorial standards used for calculator accuracy and writing tools.

Contact Us

Direct email

Found a bug or a wrong tax figure? Have a tool to suggest? The contact page goes directly to the site owner.

Privacy Policy

GDPR & CCPA

What data is and isn't collected (spoiler: calculator inputs aren't), how cookies are used, and your rights under GDPR and CCPA.

Disclaimer

Important

The calculators provide estimates for planning. They are not tax, legal, or financial advice. Consult a licensed professional for binding decisions.

Terms & Conditions

Legal

The rules governing use of the site's tools and content, including acceptable use and limitation of liability.

Cookie Policy

Tracking

The specific cookies used by the site, their purpose, retention period, and how to disable them in your browser.

Pick the Tool You Actually Need

Comparing two job offers? Start with the Paycheck Calculator. Got an interview Friday? Open the "Tell Me About Yourself" Generator. Need a new résumé summary? Two minutes from now.

Open Paycheck Calculator Build a Résumé

Frequently Asked Questions

The five questions readers email most often.

Are the salary and paycheck calculators free to use?

Yes. Every calculator and writing tool on USAJobsKit is free, requires no signup, and runs entirely in your browser. No data you enter is stored or sent to a server. The site is funded by display advertising loaded below the fold.

How accurate are the paycheck calculators?

The calculators use 2026 federal tax brackets, FICA rates (6.2% Social Security up to the $176,100 wage base, 1.45% Medicare with the 0.9% additional tax above $200,000), and state income tax tables where applicable. Results are estimates for planning purposes and should not replace advice from a licensed tax professional or your actual employer payroll.

Which states have dedicated paycheck calculators?

USAJobsKit currently has paycheck calculators for 40 U.S. states including California, Texas, Florida, New York, Illinois, Pennsylvania, Ohio, Georgia, North Carolina, Virginia, New Jersey, Washington, Arizona, Michigan, Massachusetts, Indiana, Tennessee, Colorado, Maryland, and 21 others. Each state tool accounts for that state's income tax rules and common local deductions.

Do the tools work for both salaried employees and 1099 contractors?

Yes. There are separate tools for W-2 employees (Paycheck Calculator, Take-Home Pay Calculator, Gross to Net) and for 1099 workers (Self-Employment Tax Calculator, 1099 Paycheck Calculator, Freelance Hourly Rate Calculator). A W-2 vs 1099 Calculator helps you compare the two side by side.

Who runs USAJobsKit?

USAJobsKit is built and maintained by Eman Ali Mughal, a web developer who designs the calculators, writes the explanatory content, and verifies tax rates against IRS and state Department of Revenue sources. Contact details and LinkedIn are on the About Us page.