Your Salary,
Per Actual Paycheck.
Demystify the gap between gross offer letters and bank deposits. Calculate take-home pay with marginal federal brackets, FICA taxes, state withholdings, and pre-tax 401(k) election savings.
Marginal Bracket Accuracy
Eliminates "bracket fear." Models progressive IRS tax rates correctly so you see your true effective tax percentage.
100% Client-Side Private
Your earnings and financial scenarios run entirely inside your device's browser. Nothing is sent to our servers.
Pre-Tax 401(k) Leverage
See how pre-tax retirement elections shield your earnings from taxes while scoring employer matching dollars.
Precision Paycheck Tools
Everything from bi-weekly net conversions to supplemental bonus withholding calculations.
Take-Home Pay Calculator
Salary to net pay per check: federal brackets, FICA, a state-tax estimate, and pre-tax elections applied.
Hourly to Salary Converter
Hourly ↔ salary conversion with overtime reality: what $25/hour is per year, and what a salaried week really pays.
Bonus Withholding Calculator
What a bonus nets after the 22% supplemental withholding rate — and why big bonuses can trigger more tax in April.
401(k) Raise Calculator
What increasing your 401(k) election actually costs per paycheck after the tax shield — the cheapest raise you will ever give yourself.
Understanding Your Pay
Deep dives into IRS withholding rules, overtime valuation, and tax deductions.
Your W-4 is a thermostat, not a tax bill
Withholding controls cash-flow timing, not what you owe. Here is how to set it deliberately.
The offer letter vs the deposit: a worked example
Follow $85,000 from offer to bank account, and see where each dollar goes.
12 mistakes people make with paycheck math
The recurring errors we see in paycheck math — what causes each one, and the habit that prevents it.