Your Paycheck
Understand your paycheck
Your gross pay and your take-home are two different numbers — and the gap is bigger than most people expect. These calculators show exactly where every dollar goes: Social Security, Medicare, pre-tax benefit deductions, and what's left after all of it.
Every formula is grounded in IRS and SSA sources. No black boxes, no guessing — just the same math your employer's payroll system runs, explained line by line.
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 →