Turn any pay rate or year-to-date pay into gross monthly income, then plan how to add more
The calculator at the top of this page turns any pay rate into gross monthly income: hourly (at your hours per week), daily, weekly, every two weeks, twice a month or yearly. It can also average your year-to-date pay the way a lender or car-finance application reads a pay stub, and add a side income on top. Gross means before tax; the take-home figure depends on your state, filing status and deductions, which the paycheck and tax calculators ask for.
| Pay | Per month | Per year |
|---|---|---|
| $15 an hour, 40 hours a week | $2,600.00 | $31,200 |
| $20 an hour, 40 hours a week | $3,466.67 | $41,600 |
| $25 an hour, 40 hours a week | $4,333.33 | $52,000 |
| $1,251 a week (US median, BLS Q2 2026) | $5,421.00 | $65,052 |
| $2,000 every two weeks | $4,333.33 | $52,000 |
| $2,500 twice a month | $5,000.00 | $60,000 |
| $50,000 a year | $4,166.67 | $50,000 |
| $75,000 a year | $6,250.00 | $75,000 |
| $100,000 a year | $8,333.33 | $100,000 |
A year has 52 weeks and 12 months, so an average month holds 52 ÷ 12 ≈ 4.33 weeks, not 4. Hourly pay is rate × hours per week × 52 ÷ 12; weekly pay is × 52 ÷ 12; pay every two weeks is × 26 ÷ 12 (26 paychecks, so two months a year have three); twice-a-month pay is × 2; yearly salary is ÷ 12. Year-to-date pay is divided by the months elapsed on the pay date, counting a part month by its days: $40,000 earned through June 30 is 6 months, or $6,666.67 a month. For scale, the Bureau of Labor Statistics put median weekly earnings of full-time workers at $1,251 in Q2 2026, which is $5,421 a month.
Monthly Income Booster is a free set of tools and guides for working out what extra income is actually worth before you spend a weekend on it. Everything on the web version is free, nothing is behind a sign-in, and no calculator asks for an email to show you its answer. Type a monthly income target into the box above and the planner works backwards from it; or skip the planner entirely and go straight to the calculator or guide you came for.
76 free calculators covering platform fees, self-employment tax, gig pay, rental cash flow, creator revenue, pricing for service businesses and more. 22 worked pay-conversion answers for the specific number you were quoted — hourly to yearly, yearly to hourly, monthly to hourly. 30 income-type pages explaining how each route actually earns, what it pays at each stage, and what usually goes wrong. Guides on making money fast, occupation-specific side hustles, and the fee and tax maths most write-ups skip. Plus a glossary for the jargon.
Most side-hustle advice is a list of ideas. Lists are the easy part — what stops people is not knowing whether a specific idea is worth their specific hours. So the tools here are built around decisions rather than inspiration. Deciding between a job offer and freelancing? The hourly-to-salary converter and the freelance rate calculator exist because employed and self-employed pay are not comparable numbers. Wondering whether a hustle you already run is worth continuing? The side hustle ROI calculator divides real profit by real hours and usually produces a smaller number than people expect.
Every calculator states its assumptions on the page, and where a figure depends on something we cannot know — your state, your filing status, the platform's current fee schedule — it asks rather than guessing. Pay conversions run on the standard 2,080-hour working year. Tax figures use the 2026 federal brackets, standard deductions and Social Security wage base the IRS and SSA published, and are explicit about what they leave out — state tax rates, credits and your own deductions. Nothing here is financial advice, and none of it replaces an accountant on a decision that matters.
The web version costs nothing and always will — there is no subscription, no trial, and no gated result. There is a free mobile app for iOS and Android (with ads, removable with a one-time purchase) that adds an income log, milestones and the planner on your phone, and a tip jar for anyone who wants to support the site. Neither is needed to use anything on this page. Some links to products are affiliate links, which is disclosed on every page that carries them, and they never change which strategy a calculator recommends.
Take your pay before any tax or deductions and convert it to a month: yearly salary ÷ 12, weekly pay × 52 ÷ 12, pay every two weeks × 26 ÷ 12, twice-a-month pay × 2, or hourly rate × hours per week × 52 ÷ 12. Add any other regular income, such as a side job, to get the total.
Multiply the hourly rate by your hours per week, then by 52 weeks, then divide by 12. At $20 an hour and 40 hours a week that is $20 × 40 × 52 ÷ 12 = $3,466.67 a month before tax. Multiplying a weekly figure by 4 understates it, because a month averages about 4.33 weeks.
Multiply one paycheck by 26 and divide by 12, because biweekly pay gives 26 paychecks a year, not 24. A $2,000 biweekly check is $4,333.33 a month on average; most months have two paydays and two months a year have three.
Divide the year-to-date gross on your latest pay stub by the number of months elapsed on its pay date, counting a part month by its days. $30,000 year-to-date on September 15 is 8.5 months, or $3,529.41 a month. Lenders and auto-finance applications often ask for monthly income this way.
Before taxes (gross). Loan, rent and credit applications usually ask for gross monthly income. Take-home pay is lower by federal and state income tax, Social Security and Medicare and any pre-tax deductions, so use a paycheck or tax calculator for the net figure.
The whole web version is free with no account. Every calculator, guide and pay conversion works immediately with nothing to sign up for. There is an optional mobile app (free with ads, or ad-free with a one-time purchase) and a tip jar, and neither unlocks anything on the website.
No. Nothing on the site requires sign-in, including the plan generator. Saving plans across devices is the only thing an account adds.
Treat them as planning ranges, not forecasts. Calculator outputs are exact arithmetic on the numbers you enter. Earnings ranges in the guides describe what the work commonly pays, and they depend heavily on your market, hours and experience — they are not predictions of what you will earn.
If you have a specific number quoted at you, start at the pay conversions. If you already run something and want to know whether it is worth it, use the side hustle ROI calculator. If you are choosing between employment and freelancing, use the freelance rate and contractor-vs-employee calculators together.
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