About PaycheckMath
PaycheckMath is the arithmetic between your offer letter and your bank account: what a salary pays per check, what hourly converts to, what a bonus really nets, and what a 401(k) election does to both.
PaycheckMath exists because job offers are quoted in numbers you never see again. Annual salary becomes a biweekly deposit after federal brackets, FICA, state tax, and your own elections — and the difference between the offer and the deposit surprises almost everyone the first time.
Every calculator on PaycheckMath shows its formula and its assumptions on the page, so you can check the math, reproduce it in a spreadsheet, or argue with it. Inputs are processed entirely in your browser — nothing is sent to a server, and there are no accounts.
PaycheckMath is an independent, ad-supported project. We are not affiliated with any lender, brand, agency, or the sources we cite (IRS and CFPB public guidance). If a number looks wrong, the contact page reaches a human who fixes it.
What makes PaycheckMath different
- Your numbers never leave your browser. Every calculator on PaycheckMath runs entirely on your device. We never see, store, or transmit the figures you enter — there are no accounts and no server-side processing of your inputs.
- Published methodology. Each calculator page explains the exact formula it uses and the assumptions behind it, so you can check our work or reproduce it in a spreadsheet.
- Free, forever, without a paywall. PaycheckMath is supported by advertising. There is no premium tier, no email gate, and no upsell.
Independence
PaycheckMath is an independent educational project. We are not affiliated with, endorsed by, or acting on behalf of any government agency, lender, insurer, or the organizations whose formulas and public data we reference (such as IRS and CFPB public guidance). All trademarks and referenced standards belong to their respective owners.
Questions, corrections, or suggestions are genuinely welcome — get in touch.