Career topic
Get a Job & Know Your Pay calculators
Compare salary and hourly offers, model take-home pay, and plan a raise or freelance rate so you negotiate from real numbers.
Reviewed by BoringToolsKit · August 24, 2026 · Planning information, not professional advice.
Get a Job & Know Your Pay: the big picture
Job offers are usually compared on the headline salary, but the number that matters is what lands in your bank account after taxes, withholding, and benefits — and what the offer is worth per hour of real work. The same math runs backward when you set a freelance rate or ask for a raise. BoringToolsKit's pay tools convert between salary and hourly, estimate take-home pay, model 401(k) matching, and show the net effect of a raise so you can compare offers and negotiate with actual numbers.
- Salary and hourly pay are different lenses on the same annual total.
- Take-home pay is salary minus taxes, benefits, and withholding.
- A raise's net effect depends on the tax bracket it lands in.
- Convert the offer to the unit you compare by (salary to hourly or back).
- Estimate take-home pay after taxes and withholdings.
- Model the raise or freelance rate you need to hit your target net pay.
Worked example: the $72,000 offer
- Step 1: Salary to Hourly Converter — Convert $72,000 a year to hourly See: About $34.62 an hour for a 40-hour week
- Step 2: Paycheck After Tax Calculator — Enter $72,000 with single withholding and your state See: Monthly take-home in the $4,700–$4,900 range depending on state
- Step 3: 401k Employer Match Calculator — Contribute 6% of $72,000 with a 100% match up to 6% See: Your $4,320 contribution becomes $8,640 with the match
- Step 4: Salary Raise Calculator — Ask for a 5% raise on $72,000 See: New salary $75,600 — an extra $3,600 a year before taxes
Numbers depend on the inputs you enter; the walkthrough shows one realistic scenario.