Income per month: what your pay comes to

How it works

• Each income: what it is, the amount, and how often it comes: an hour, a week, every two weeks, twice a month, a month or a year. Up to 20 lines.
• Pay by the hour also needs the hours in a usual week. Part hours are fine: 27.5.
• Before taxes or after: the page counts whatever you type. Pay before taxes and other amounts are taken out is often called gross pay; what reaches you is often called take-home or net pay. A form usually says which one it wants. Type every line the same way.
• What it comes to shows all of it together as a month, a week, two weeks and a year, then each line by itself.
• Print, Copy as text and Download (.txt) give the result to keep or to carry to an appointment. A copy off this device is the only backup there is.

How the page counts

• A year is the amount times 52 for weekly pay, times 26 for pay every two weeks, times 24 for pay twice a month, and times 12 for monthly pay.
• Pay by the hour is the rate times the hours in a week, times 52.
• A month is the year divided by 12. Two weeks is the year divided by 26. A week is the year divided by 52. Each is rounded to the nearest cent.
• A month is not four weeks. It is four weeks and a third, on average. $500.00 a week is $2,166.67 a month, not $2,000.00.
• Every two weeks is not twice a month. $1,000.00 every two weeks is 26 paydays, $26,000.00 a year. $1,000.00 twice a month is 24 paydays, $24,000.00 a year.
• The total is worked from the year’s total, so it can be a cent away from the lines added up.

An example, worked by hand. Three lines: a store job at $16.50 an hour for 32 hours a week, a cleaning job that pays $450.00 every two weeks, and a benefit of $943.00 a month.

• Store job: $16.50 × 32 = $528.00 a week. Times 52 = $27,456.00 a year. Divided by 12 = $2,288.00 a month.
• Cleaning job: $450.00 × 26 = $11,700.00 a year. Divided by 12 = $975.00 a month. Divided by 52 = $225.00 a week.
• Benefit: $943.00 × 12 = $11,316.00 a year. Divided by 52 = $217.62 a week (rounded from $217.615).
• Together: $50,472.00 a year, $4,206.00 a month, $1,941.23 for two weeks, $970.62 a week.

The example is made up. A program checks it, and 400 made-up lists counted a second way, every time the page is built.

What this page does not know

• It does not know what a form counts as income. Each program and each landlord has its own list of what counts and what is left out, and its own limit.
• It does not know how an office does the sum. Some offices turn weekly pay into a monthly figure with numbers of their own. The figure the office works out is the one it uses. It is fine to ask how they counted.
• It counts every week as the same. Hours that go up and down, overtime, tips, seasonal work and unpaid weeks off are not in it unless you type an amount that already allows for them.
• It does not count the extra payday. A year is a day or two longer than 52 weeks, so in some years a weekly payday comes 53 times, or a payday every two weeks comes 27 times.
• It does not take out taxes or anything else. It does not turn pay before taxes into take-home pay.
• It holds up to 20 lines on this device, and it does not move to another phone or computer by itself.

If the money does not cover the month

• On this site: Help with money has places to turn when the money does not cover the month, and Help with food is for when there is not enough to eat.
• Calling 211 reaches a local helpline in most of the U.S. that knows what help is near you.