16 free calculators · no sign-up
Your paycheck,
decoded.
See exactly how gross pay becomes take-home — every FICA deduction named, every formula shown, every source cited. No black boxes.
- Rates sourced to IRS Pub 15 & SSA.gov
- All math runs in your browser — nothing stored
- Last reviewed June 2026
FICA only — income tax withholding not included.
Your Paycheck
Understand exactly where your gross pay goes — every deduction named and explained.
Enter your gross pay and deductions to see exactly how every dollar is allocated — Social Security, Medicare, pre-tax benefits, and net take-home.
/paycheck-calculatorOpen →Pay Frequency ConverterCompare the same salary across weekly, biweekly, semi-monthly, and monthly pay schedules — exact arithmetic, no approximations.
/pay-frequency-converterOpen →Benefits Deduction Impact CalculatorSee how adding health, dental, or vision coverage changes your per-paycheck take-home — including which deductions reduce your FICA-taxable wages.
/benefits-deductionOpen →Overtime Pay CalculatorCalculate your gross pay for a week with overtime hours — FLSA time-and-a-half (1.5×) for all hours over 40, with FICA on the full amount.
/overtime-calculatorOpen →Three-Paycheck Month FinderFind out which two months this year you'll receive three biweekly paychecks — and see the full pay calendar with monthly totals.
/three-paycheck-monthsOpen →Multiple Jobs Social Security CalculatorIf you work two jobs, each employer withholds Social Security independently. Find out if you've been over-withheld and how much you'll recoup at tax time.
/multiple-jobs-ssOpen →Social Security Cap TrackerSee exactly which paycheck Social Security stops being withheld — and how much your take-home will increase every paycheck after you hit the annual wage base.
/ss-cap-trackerOpen →Wage Garnishment / Disposable Earnings CalculatorSee the federal legal maximum an employer can garnish from your paycheck for consumer debt or a support order — and check your own stub against it.
/wage-garnishment-calculatorOpen →State Disability & Paid Leave Deduction CalculatorSee exactly how much your state's SDI or PFML payroll deduction takes from your paycheck — covers CA, NJ, NY, RI, HI, WA, MA, CT, and OR.
/state-disability-calculatorOpen →Compare & Plan
Model a raise, compare job offers, or estimate your take-home after a pay change.
See exactly how a percentage raise or flat dollar increase changes your gross pay, FICA, and per-paycheck net take-home.
/raise-impactOpen →Hourly to Salary CalculatorConvert an hourly rate to annual, monthly, biweekly, and weekly salary equivalents — and see per-paycheck FICA deductions at every pay frequency.
/hourly-to-salaryOpen →Bonus Take-Home CalculatorEstimate your net take-home after FICA on a bonus or supplemental wage payment, with a clear note on the supplemental withholding rate.
/bonus-calculatorOpen →Job Offer Comparison CalculatorCompare two job offers side by side — gross pay, pay frequency, pre-tax benefits, and estimated per-paycheck net take-home.
/job-offer-comparisonOpen →Cost of a Salary Increase (Employer View)Calculate the full cost of a raise from the employer's side — including employer FICA contributions (Social Security + Medicare) on top of the new salary.
/employer-costOpen →Net-to-Gross / Reverse Paycheck CalculatorEnter a target take-home pay and see exactly what gross salary you need — with the FICA breakdown showing how much goes to Social Security and Medicare.
/net-to-grossOpen →Universal Basic Income (UBI) CalculatorModel a hypothetical Universal Basic Income stacked on top of your paycheck's FICA-based take-home — a scenario tool, since no UBI program is currently U.S. federal law.
/ubi-calculatorOpen →