# FinCalcs

> Paychecks, payroll taxes and salary math in plain English


## Posts

- [$20 an Hour Is How Much a Year? Salary and Take-Home Pay (2026)](https://getfincalcs.com/20-an-hour-is-how-much-a-year/): $20 an hour is $41,600 a year at full time. Here is the monthly, biweekly and weekly breakdown, what you actually take home after 2026 taxes, and a calculator for any rate.
- [W-2 vs 1099: Employee vs Contractor, Taxes and Pay Compared](https://getfincalcs.com/w2-vs-1099/): W-2 employees and 1099 contractors are taxed and paid very differently. Here is what each means, who pays which taxes, and how to compare a W-2 salary with a 1099 rate.
- [Gross vs Net Pay: What's the Difference, With a 2026 Example](https://getfincalcs.com/gross-vs-net-pay/): Gross pay is what you earn; net pay is what you keep. A worked 2026 example shows how a $60,000 salary becomes a real biweekly paycheck, line by line.
- [What Is Federal Withholding? How Your Employer Decides How Much Tax to Take](https://getfincalcs.com/what-is-federal-withholding/): Federal withholding is the income tax your employer takes from each paycheck and sends to the IRS. Here is how it is calculated, how your W-4 controls it, and how to tell if yours is right.
- [What Is FICA? Social Security and Medicare Tax Explained (2026)](https://getfincalcs.com/what-is-fica/): FICA is the 7.65% taken from most paychecks for Social Security and Medicare. Here is how it is calculated for 2026, the wage cap, the extra Medicare tax, and how self-employed people pay it.
- [How to Read a Pay Stub: Every Line Explained](https://getfincalcs.com/how-to-read-a-pay-stub/): A plain-English walk through every section of a US pay stub: earnings, taxes, deductions, year-to-date totals and the abbreviations nobody explains.

## Pages

- [Advertising Disclosure](https://getfincalcs.com/affiliate-disclosure/): FinCalcs is supported by display advertising. Advertisers do not review or approve our content, and ads do not influence the figures or explanations we publish.
- [Terms of Use](https://getfincalcs.com/terms-of-use/): By using getfincalcs.com you agree to these terms.
- [Privacy Policy](https://getfincalcs.com/privacy-policy/): This policy explains what information FinCalcs ("we") collects when you visit getfincalcs.com and how it is used.
- [Contact](https://getfincalcs.com/contact/): Found a number that looks wrong or out of date? Please tell us. We correct verified errors quickly.
- [About FinCalcs](https://getfincalcs.com/about/): FinCalcs explains US paychecks in plain English: what every line on a pay stub means, how payroll taxes are calculated, and what a given hourly rate or salary really pays.


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