# Pay44

> Pay44 is a free paycheck calculator app for iOS and Android. This site has free US take-home pay calculators with federal and state tax for all 50 states, plus payroll tax and retirement guides. Tax figures use 2026 tax rules. Results are estimates, not tax or legal advice.

Get the Pay44 app: [App Store](https://apps.apple.com/us/app/paycheck-calculator-us-pay44/id1484023807?pt=120576754&ct=pay44.llms&mt=8) · [Google Play](https://play.google.com/store/apps/details?id=com.loopcupcakes.paycheck&referrer=utm_source%3Dpay44.llms)

Every page on this site has a Markdown copy: replace the trailing slash in its URL with .md (the homepage is /index.md).

## Calculators

- [2026 OBBBA Paycheck Impact Calculator](https://pay44.app/tools/obbba-paycheck-impact-calculator/): Estimate how the 2026 OBBBA deductions for tips, overtime, auto loan interest, and seniors could change your federal tax and per-paycheck take-home pay.
- [2026 vs 2027 Paycheck Calculator](https://pay44.app/tools/2026-vs-2027-paycheck-calculator/): Compare your take-home pay under 2026 and 2027 federal rules: income tax, Social Security and Medicare per paycheck and per year, with the change.
- [3-Paycheck Months Calculator (2026)](https://pay44.app/tools/three-paycheck-months-calculator/): Find your 2026 three-paycheck months. Enter your first payday and pay frequency to map every payday and total the extra take-home those bonus checks add.
- [401(k) Catch-Up Contribution Calculator](https://pay44.app/tools/catch-up-401k-calculator/): See how much extra you can add to your 401(k) after age 50, plus the per-paycheck cost and tax savings of 2026 catch-up contributions.
- [401(k) Contribution Calculator](https://pay44.app/tools/401k-contribution-calculator/): See how 401(k) contributions affect your paycheck. Calculate your per-paycheck contribution, employer match, tax savings, and progress toward the 2026 IRS limit.
- [401(k) Early Withdrawal Tax Calculator](https://pay44.app/tools/401k-early-withdrawal-tax-calculator/): Estimate the 10% penalty, 20% federal withholding, income tax, and state tax on an early 401(k) withdrawal, and the net cash you keep.
- [401(k) Loan Repayment Paycheck Calculator](https://pay44.app/tools/401k-loan-repayment-paycheck-calculator/): See how much a 401(k) loan takes out of each paycheck, the interest paid back to your account, the payoff schedule, and the tax if you leave your job.
- [403(b) and 457(b) Contribution Calculator](https://pay44.app/tools/403b-457b-contribution-calculator/): Teachers and government workers can fund a 403(b) and a 457(b) separately. See your 2026 limits, per-paycheck cost, and take-home pay.
- [AGI Calculator](https://pay44.app/tools/agi-calculator/): Estimate your 2026 adjusted gross income (AGI) and MAGI from your wages and above-the-line adjustments, then check Roth IRA, EITC, and ACA eligibility.
- [Bonus Tax Calculator](https://pay44.app/tools/bonus-tax-calculator/): Calculate how much of your bonus you'll take home after federal, state, and FICA taxes. Compare flat-rate (22%) vs. aggregate withholding methods.
- [Child Tax Credit Paycheck Calculator](https://pay44.app/tools/child-tax-credit-paycheck-calculator/): Estimate your 2026 Child Tax Credit, the refundable ACTC, and the $500 Credit for Other Dependents, plus the extra take-home pay it adds each paycheck.
- [COBRA Cost Calculator](https://pay44.app/tools/cobra-cost-calculator/): Turn the health premium on your pay stub into your real COBRA monthly cost, including the employer share, the 2% admin fee, and the total over 18 months.
- [Commission Tax Calculator](https://pay44.app/tools/commission-tax-calculator/): Calculate how much of your sales commission you'll take home after federal (22% supplemental), state, and FICA taxes. Compare flat-rate and aggregate withholding methods in all 50 states.
- [Commuter Benefits Savings Calculator](https://pay44.app/tools/commuter-benefits-savings-calculator/): Estimate what pre-tax transit and parking save you in 2026: federal, Social Security, Medicare and state tax per paycheck, using the $340 monthly caps.
- [Cost of Living Salary Adjustment Calculator](https://pay44.app/tools/cost-of-living-salary-adjustment-calculator/): See the salary you would need in a new state to keep the same standard of living when you move between US states.
- [Dependent Care FSA Calculator](https://pay44.app/tools/dependent-care-fsa-calculator/): Estimate your 2026 Dependent Care FSA tax savings, eligible election, and per-paycheck payroll deduction.
- [Disposable Income Calculator](https://pay44.app/tools/disposable-income-calculator/): Calculate your disposable income two ways — the legal "disposable earnings" used for wage garnishment and your real-world spendable income after fixed monthly bills, across all 50 states.
- [Earned Income Tax Credit (EITC) Calculator](https://pay44.app/tools/eitc-calculator/): Estimate your 2026 Earned Income Tax Credit and check if you qualify based on filing status, earned income, AGI, and qualifying children.
- [Employee vs Contractor Calculator](https://pay44.app/tools/employee-vs-contractor-calculator/): Compare W-2 and 1099 take-home pay side by side. See the self-employment tax difference, benefits gap, and break-even contractor rate for your state.
- [Employer Payroll Cost Calculator 2026](https://pay44.app/tools/employer-payroll-cost-calculator/): Calculate the true cost of hiring an employee: employer Social Security, Medicare, FUTA, SUTA taxes, and total burden rate beyond salary.
- [ESPP Tax Calculator](https://pay44.app/tools/espp-tax-calculator/): Estimate your 2026 Employee Stock Purchase Plan after-tax gain. Models the 15% discount, lookback, and qualifying vs disqualifying disposition taxes side by side.
- [Federal Tax Bracket Calculator 2026](https://pay44.app/tools/federal-tax-bracket-calculator/): Find your 2026 federal tax bracket, total tax owed, and effective rate with a bracket-by-bracket breakdown.
- [FICA Tax Calculator 2026](https://pay44.app/tools/fica-tax-calculator/): Calculate your Social Security, Medicare, and Additional Medicare taxes per paycheck and per year.
- [Filing Status Paycheck Impact Calculator](https://pay44.app/tools/filing-status-paycheck-impact-calculator/): See how switching your W-4 filing status changes your federal and state withholding, per paycheck and per year, using 2026 brackets.
- [Final Paycheck Calculator](https://pay44.app/tools/final-paycheck-calculator/): Estimate your last paycheck when you quit or are laid off, including partial-period wages, unused PTO payout, final deductions, and federal, FICA, and state withholding.
- [Freelance Hourly Rate Calculator](https://pay44.app/tools/freelance-hourly-rate-calculator/): Find the freelance hourly rate you must charge to hit a target take-home. Covers self-employment tax, unpaid weeks off, health insurance, and expenses.
- [Gross-Up Calculator](https://pay44.app/tools/gross-up-calculator/): Calculate the gross pay required to deliver an exact net take-home amount after federal, state, and FICA taxes. Supports the 22% supplemental method and state supplemental rates for all 50 states in 2026.
- [Health Insurance Premium Paycheck Calculator](https://pay44.app/tools/health-insurance-premium-paycheck-calculator/): See how a pre-tax health insurance premium changes your take-home pay, including the federal, Social Security, Medicare, and state tax savings from a Section 125 plan.
- [Hourly Paycheck Calculator](https://pay44.app/tools/hourly-paycheck-calculator/): Enter your hourly rate and hours worked — see exactly what lands in your bank account after taxes.
- [Hourly to Salary Calculator](https://pay44.app/tools/hourly-to-salary-calculator/): Making $25/hour? See what that adds up to yearly — plus tax estimates for your take-home pay.
- [HSA Contribution Calculator](https://pay44.app/tools/hsa-contribution-calculator/): Estimate your HSA tax savings and per-paycheck deduction with 2026 IRS limits.
- [Inflation Salary Calculator](https://pay44.app/tools/inflation-salary-calculator/): Compare an old salary to your current pay against US CPI inflation to see your real, inflation-adjusted raise and purchasing-power change.
- [IRA Contribution Calculator](https://pay44.app/tools/ira-contribution-calculator/): Find your 2026 IRA contribution limit, Traditional deductibility, Roth eligibility, and the tax savings of each option.
- [Job Offer Comparator](https://pay44.app/tools/job-offer-comparator/): Comparing two offers? See which one puts more money in your pocket after federal and state taxes.
- [Local Income Tax Calculator](https://pay44.app/tools/local-income-tax-calculator/): Estimate 2026 take-home pay when your city, county, or school district levies a local income tax on top of federal, FICA, and state withholding. Covers NYC, Yonkers, Philadelphia, Pittsburgh, Ohio RITA cities, Maryland counties, Indiana counties, Detroit, Louisville, Kansas City, St. Louis, and more.
- [Marginal vs Effective Tax Rate Calculator 2026](https://pay44.app/tools/marginal-vs-effective-tax-rate-calculator/): See the difference between your marginal and effective federal tax rates. Bracket-by-bracket breakdown showing how each dollar is taxed.
- [Mileage Reimbursement Calculator](https://pay44.app/tools/mileage-reimbursement-calculator/): Calculate your mileage reimbursement or deduction using the 2026 IRS standard rates for business, medical, moving, and charitable driving.
- [Moving States Take-Home Pay Comparison Calculator](https://pay44.app/tools/state-move-take-home-comparison-calculator/): Keep the same salary and compare net take-home pay side by side between any two US states.
- [Net Worth Calculator](https://pay44.app/tools/net-worth-calculator/): Add up your assets, subtract your debts, and see your net worth, debt-to-asset ratio, and how you rank against U.S. averages for your age group.
- [Overtime Exempt Salary Threshold Calculator](https://pay44.app/tools/flsa-exempt-salary-threshold-calculator/): See whether your 2026 salary clears the federal $35,568 and state overtime exemption thresholds, and estimate overtime pay you may be owed.
- [Paid Family Leave Benefit Calculator](https://pay44.app/tools/paid-family-leave-benefit-calculator/): Estimate your weekly paid family or medical leave benefit by state, see your total payout over the leave, and size the gap against normal pay.
- [Pay Period Converter](https://pay44.app/tools/pay-period-converter/): Enter your pay amount and current frequency to instantly see what you earn per week, biweekly, semimonthly, monthly, quarterly, and annually.
- [Pay Raise Calculator](https://pay44.app/tools/pay-raise-calculator/): Got a raise coming? See how much more you'll earn per paycheck, per month, and per year.
- [Pay Stub Decoder Calculator](https://pay44.app/tools/pay-stub-decoder-calculator/): Paste the line items from your US pay stub and get a plain-English breakdown of every withholding and deduction, with your Social Security and Medicare checked against 2026 rates.
- [Pension and Annuity Withholding Calculator (W-4P)](https://pay44.app/tools/pension-annuity-withholding-calculator/): Estimate federal withholding on a pension or annuity payment using Form W-4P Steps 2, 3, and 4, then compare it to the payer default.
- [Per Diem Tax Calculator](https://pay44.app/tools/per-diem-tax-calculator/): See which part of your travel per diem is tax-free and which part becomes taxable W-2 wages, plus the federal, FICA, and state tax on the excess.
- [PTO Accrual Calculator](https://pay44.app/tools/pto-accrual-calculator/): Calculate how much paid time off you earn each pay period or per hour worked, and project your PTO balance to any future date.
- [PTO Payout Calculator](https://pay44.app/tools/pto-payout-calculator/): Estimate the gross and take-home value of unused PTO, vacation time, or paid leave after federal, FICA, and state withholding.
- [Quarterly Estimated Tax Calculator](https://pay44.app/tools/quarterly-estimated-tax-calculator/): Estimate your 2026 quarterly estimated tax payments, including self-employment tax and the IRS safe harbor amount, with due dates.
- [Retroactive Pay Calculator](https://pay44.app/tools/retroactive-pay-calculator/): Estimate the retroactive pay you are owed when a raise took effect late, including gross retro pay, tax withheld, and net take-home.
- [Reverse Paycheck Calculator](https://pay44.app/tools/reverse-paycheck-calculator/): Enter the take-home pay you want and see the gross salary required to hit it after 2026 federal, FICA, and state taxes in all 50 states.
- [Roth Conversion Tax Calculator](https://pay44.app/tools/roth-conversion-tax-calculator/): Estimate the 2026 federal and state tax on a Roth conversion, the most you can convert before the next bracket, and Social Security, IRMAA and NIIT effects.
- [Roth vs Traditional 401(k) Calculator](https://pay44.app/tools/roth-vs-traditional-401k-calculator/): Compare Roth and Traditional 401(k) contributions side by side. See take-home pay per paycheck, retirement balance, after-tax income, and break-even tax rate.
- [RSU Tax Calculator 2026](https://pay44.app/tools/rsu-tax-calculator/): Estimate RSU vesting taxes, take-home value, sell-to-cover shares, and possible withholding gaps for restricted stock units.
- [Salary Negotiation Calculator](https://pay44.app/tools/salary-negotiation-calculator/): Compare your current salary against a target offer and see the real after-tax difference per paycheck, per year, and over 5 and 10 years.
- [Salary to Hourly Calculator](https://pay44.app/tools/salary-to-hourly-calculator/): Find out what your $75K salary really pays per hour. See your daily, weekly, and monthly rate.
- [Saver's Credit Calculator 2026](https://pay44.app/tools/savers-credit-calculator/): Estimate your 2026 Saver's Credit from AGI, filing status, and 401(k) or IRA contributions. See your 50/20/10% rate, eligibility, and credit amount.
- [Second Income Childcare Break-Even Calculator](https://pay44.app/tools/second-income-childcare-breakeven-calculator/): Is a second income worth it after childcare and taxes? See the take-home pay left after daycare, commuting, and your joint marginal tax rate.
- [Self-Employment Tax Calculator](https://pay44.app/tools/self-employment-tax-calculator/): Calculate 2026 self-employment tax, federal and state income tax, and quarterly estimated payments for freelance or 1099 income.
- [Severance Pay Tax Calculator](https://pay44.app/tools/severance-pay-tax-calculator/): Estimate take-home pay from severance after federal supplemental, state, Social Security, and Medicare withholding. Compare lump sum vs salary continuation.
- [Shift Differential Pay Calculator](https://pay44.app/tools/shift-differential-pay-calculator/): Calculate night, weekend, or holiday shift differential pay using a flat-rate or percentage premium, including the FLSA blended overtime rate.
- [Side Hustle Take-Home Calculator](https://pay44.app/tools/side-hustle-take-home-calculator/): Estimate combined take-home pay when you mix a W-2 job with 1099 side hustle income, including self-employment tax and quarterly estimates.
- [Sign-On Bonus Clawback Calculator](https://pay44.app/tools/sign-on-bonus-repayment-clawback-calculator/): Work out what you owe back on a sign-on or retention bonus when you leave early, why employers claw back the gross amount, and which taxes you can recover.
- [Student Loan Payment Calculator](https://pay44.app/tools/student-loan-payment-calculator/): Estimate income-driven student loan payments, PSLF progress, and how a monthly payment fits your take-home pay.
- [Tax Bracket Optimizer 401(k) Calculator](https://pay44.app/tools/tax-bracket-optimizer-calculator/): See how much extra 401(k) you need to drop into the next-lower 2026 federal tax bracket, with savings and net cost.
- [Tax Refund Estimator 2026](https://pay44.app/tools/tax-refund-estimator/): Estimate your 2026 federal tax refund or balance due straight from your latest pay stub, using year-to-date gross, withholding, and pay periods left.
- [Tax Refund vs Withholding Calculator](https://pay44.app/tools/tax-refund-vs-withholding-calculator/): See what a bigger tax refund costs you each payday, including the extra per-paycheck withholding and the opportunity cost of an interest-free loan to the IRS.
- [Time and a Half Calculator](https://pay44.app/tools/time-and-a-half/): See your regular, overtime (1.5x), and double-time (2x) pay breakdown from your hourly rate.
- [Tip Income Tax Calculator](https://pay44.app/tools/tip-income-tax-calculator/): Estimate take-home pay on your tips after federal income tax, Social Security, and Medicare, and see how the No Tax on Tips deduction lowers what you owe.
- [True Hourly Rate Calculator](https://pay44.app/tools/true-hourly-rate-calculator/): Calculate your true hourly rate after taxes, commute time, unpaid overtime, and job-related expenses.
- [W-2 Box 1 Reconciliation Calculator](https://pay44.app/tools/w2-box-1-reconciliation-calculator/): Find out why your W-2 Box 1 wages are lower than your salary by rebuilding Box 1, Box 3, Box 5, and Box 16 from your 401(k), HSA, pre-tax premiums, and imputed income.
- [W-4 Withholding Estimator 2026](https://pay44.app/tools/w-4-withholding-estimator/): Estimate your 2026 federal tax withholding, compare it to your actual tax liability, and see if you're headed for a refund or balance due with W-4 tips.
- [Wage Garnishment Calculator](https://pay44.app/tools/wage-garnishment-calculator/): Estimate how much a creditor, child support order, student loan servicer, or IRS levy can take from your paycheck under the 2026 CCPA federal limits and your state's protective rules.
- [Year-End Take-Home Pay Projection Calculator](https://pay44.app/tools/year-end-take-home-projection-calculator/): Project your full-year take-home pay, federal refund or balance due, and W-4 fix from a single pay stub's YTD figures.
- [Paycheck calculators by state](https://pay44.app/tools/): The full calculator list, including a take-home pay calculator for each US state.

## Pay tables

- [Hourly to salary by rate](https://pay44.app/hourly-to-salary/): Hourly-to-salary conversions for common rates, with monthly, biweekly and weekly pay and federal tax estimates.
- [Salary to hourly by salary](https://pay44.app/salary-to-hourly/): Salary-to-hourly conversions for common salaries, with daily, weekly, biweekly and monthly pay and federal tax estimates.
- [Profession salaries](https://pay44.app/salary/): Average salary by profession with hourly rates, top-paying states and education requirements.

## Comparisons

- [6 Best Paycheck Calculators in 2026: We Tested Them All](https://pay44.app/compare/top-paycheck-calculators-2026/): We tested SmartAsset, ADP, QuickBooks, PaycheckCity, Payroll Guru, and Pay44 against actual pay stubs in January 2026. Here are the picks.
- [6 Best Paycheck Calculators in 2026](https://pay44.app/compare/top-paycheck-calculators-2026/): We tested SmartAsset, ADP, QuickBooks, PaycheckCity, Payroll Guru, and Pay44. Here's what we found.
- [Pay44 vs ADP Paycheck Calculator](https://pay44.app/compare/pay44-vs-adp/): Compare Pay44 and ADP paycheck calculators side-by-side: budgeting, scenario simulation, and accuracy.
- [Pay44 vs Payroll Guru](https://pay44.app/compare/pay44-vs-payroll-guru/): Compare Pay44 (free with optional Pro) and Payroll Guru ($4.99) — budgeting, scenario planning, and accuracy.
- [Pay44 vs SmartAsset](https://pay44.app/compare/pay44-vs-smartasset/): Compare Pay44's mobile app with SmartAsset's web calculator: features, accuracy, and usability.
- [Pay44 vs QuickBooks](https://pay44.app/compare/pay44-vs-quickbooks/): Compare Pay44 with QuickBooks' business-focused paycheck calculator.
- [Pay44 vs PaycheckCity](https://pay44.app/compare/pay44-vs-paycheckcity/): Compare Pay44's mobile experience with PaycheckCity's web power tools.

## About

- [About Pay44](https://pay44.app/about/): Who makes Pay44, and the sources its tools and guides use
- [Contact Pay44 support](https://pay44.app/contact/): How to email support, and what to include

## Optional

- [What Percentage of Paycheck Should Go to 401k?](https://pay44.app/blog/what-percentage-of-paycheck-should-go-to-401k/): What percentage of your paycheck should go to a 401(k)? See the target for your salary and what 4%, 6%, 10% or 15% costs per 2026 paycheck after tax.
- [How Does a 401(k) Match Work? 2026 Paycheck Math](https://pay44.app/blog/how-does-401k-match-work/): How does a 401(k) match work? See common match formulas in dollars per paycheck, what you must defer to get it all, how it's taxed, and when it's yours.
- [2027 Federal Tax Brackets: The Paycheck Math](https://pay44.app/blog/2027-federal-tax-brackets-paycheck/): See the 2027 federal tax brackets, how paycheck withholding uses them, and the per-check change from 2026 at $45K, $85K, $150K and $260K.
- [When Will I Get My First Paycheck Weekly?](https://pay44.app/blog/when-will-i-get-my-first-paycheck-weekly/): When will your first paycheck come on weekly pay? Use the payday formula, see dated 2026 examples, and check state limits on paying a week behind.
- [Why Is My Bonus Taxed So High? The 22% Myth (2026)](https://pay44.app/blog/why-is-my-bonus-taxed-so-high/): Your bonus was not taxed at 40%. See why the flat 22% federal supplemental rate plus FICA and state withholding gutted your check, and what comes back.
- [Pastor Paychecks: Housing Allowance and Taxes](https://pay44.app/blog/clergy-paycheck-housing-allowance-taxes/): Clergy pay 15.3% SE tax on salary plus housing allowance, and the church withholds none of it. See a 2026 example, W-4 options, and quarterly estimates.
- [W-4 After Divorce: Alimony and Your Paycheck](https://pay44.app/blog/w4-after-divorce-alimony-paycheck/): Divorced? See how Single vs. head of household changes your 2026 paycheck, and why alimony only belongs on your W-4 for pre-2019 agreements.
- [Travel Nurse Pay Package Take-Home Math](https://pay44.app/blog/travel-nurse-pay-package-take-home/): A recruiter quotes $2,600 a week. See exactly what you keep once the taxable base and tax-free stipends are split apart, with 2026 federal numbers.
- [ESPP Paycheck Deduction Explained: After-Tax Math for 2026](https://pay44.app/blog/espp-paycheck-deduction/): ESPP contributions come out of your paycheck after tax, not before. See exactly how a 5%, 10%, or 15% election changes your take-home pay in 2026.
- [401(k) True-Up: Max Out Early Without Losing Match](https://pay44.app/blog/401k-front-loading-employer-match-true-up/): Maxing out your 401(k) early can shut off your employer match. See the 2026 numbers, how true-ups work, and the deferral rate that avoids the trap.
- [Why Is My Server Paycheck $0? Tip Withholding](https://pay44.app/blog/server-paycheck-zero-tip-withholding/): A $0 server paycheck is usually the tax math working correctly. See where your tip withholding went, when zero is a red flag, and the W-2 Box 12 surprise.
- [1099 Hourly Rate vs W-2 Salary Equivalent](https://pay44.app/blog/1099-hourly-rate-vs-w2-salary-equivalent/): Convert any W-2 salary into the 1099 hourly rate you need to break even. The 1.25x-1.5x multiplier derived line by line, with a $100K example.
- [F-1 Visa FICA Exemption: Check Your Paycheck](https://pay44.app/blog/f1-student-visa-fica-exemption/): Nonresident F-1 students usually don't owe Social Security or Medicare tax. See who qualifies, what it's worth per paycheck, and how to get a refund.
- [OASDI Tax on Your Paycheck: 2026 Wage Base Explained](https://pay44.app/blog/oasdi-tax-paycheck-explained/): OASDI is the Social Security tax on your paycheck. See the 2026 wage base of $184,500, the 6.2% rate, the $11,439 max, and how to calculate your own.
- [Nonqualified Deferred Comp (409A) Paycheck Impact](https://pay44.app/blog/nqdc-409a-deferred-comp-paycheck/): Deferring pay into a nonqualified deferred compensation (409A) plan cuts income tax withholding, not FICA. See 2026 paycheck math and payout rules.
- [Pay Frequency Laws by State: How Often You're Paid](https://pay44.app/blog/pay-frequency-laws-by-state/): No federal law sets how often you get paid. State law does. See every state's pay frequency floor, lag limits, and the rules on schedule changes.
- [Draw Against Commission Paycheck Taxes](https://pay44.app/blog/draw-against-commission-paycheck-taxes/): How a draw against commission is taxed, why a recoverable draw balance can wipe out your next commission check, and how to spot a double-taxed stub.
- [Excess Social Security Tax From Two Jobs: Get It Back](https://pay44.app/blog/excess-social-security-tax-refund-two-jobs/): Had two jobs in 2026? Combined wages over $184,500 means Social Security tax came out twice. See the math and claim the refund on Schedule 3, line 11.
- [Is Employer Relocation Assistance Taxable in 2026?](https://pay44.app/blog/relocation-package-taxable-paycheck/): Yes, almost all employer relocation assistance is taxable wages in 2026. See what's withheld, how gross-ups work, and what actually hits your paycheck.
- [Compare Two Job Offers by Take-Home Pay](https://pay44.app/blog/compare-two-job-offers-take-home-pay/): Offer A pays $10,000 more gross. Offer B nets $1,866 more. Use this 2026 worksheet to turn two job offers into comparable take-home pay.
- [Piece Rate Pay, Regular Rate and Overtime](https://pay44.app/blog/piece-rate-pay-overtime-regular-rate/): Paid by the piece? Your regular rate is weekly earnings divided by hours worked. See the half-time overtime math, rest break rules, and take-home.
- [Earned Wage Access: The Math on Your Next Check](https://pay44.app/blog/earned-wage-access-paycheck-advance-impact/): A $150 advance with a $3.99 fee turns a $1,498.01 net check into $1,344.02. See the full gross-to-deposit math and how each app takes the money back.
- [Mandatory Pension Contribution Paycheck Deduction Guide](https://pay44.app/blog/mandatory-pension-contribution-paycheck/): Your mandatory pension contribution comes out of every paycheck. See 2026 rates by system, whether it lowers your taxes, and the FICA and state tax catches.
- [After-Tax 401(k): The Mega Backdoor Roth Cost](https://pay44.app/blog/after-tax-401k-mega-backdoor-roth-paycheck/): After-tax 401(k) money comes out of net pay, not gross. See the 2026 $72,000 limit stack, your real after-tax headroom, and the per-paycheck cost.
- [Fluctuating Workweek Overtime: Half-Time Pay](https://pay44.app/blog/fluctuating-workweek-half-time-overtime/): Fluctuating workweek overtime pays half-time, not time-and-a-half. See how the regular rate falls as hours rise, which states ban it, and what to deduct.
- [Tuition Reimbursement Taxes: The $5,250 Limit](https://pay44.app/blog/tuition-reimbursement-paycheck-taxes/): Employer tuition help is tax-free up to $5,250 in 2026. See what the overage costs on a single paycheck, how it is withheld, and the clawback trap.
- [New Baby W-4: Child Tax Credit Paycheck Boost](https://pay44.app/blog/new-baby-w4-child-tax-credit-paycheck/): Adding your newborn to W-4 Step 3 puts $84.62 back in a biweekly paycheck. Get the exact per-check numbers, the SSN timeline, and the mid-year catch.
- [On-Call, Standby and Travel Time Pay Rules](https://pay44.app/blog/on-call-standby-travel-time-pay/): When is on-call time paid? The FLSA rules for standby, waiting, callback and travel time, plus how those hours change your overtime and take-home pay.
- [Truck Driver CPM Pay and Per Diem Take-Home](https://pay44.app/blog/truck-driver-cpm-pay-per-diem-take-home/): A driver at 62 CPM runs 2,400 miles a week. See what that nets after 2026 federal tax and FICA, and what a carrier per diem program really costs you.
- [Military LES: BAH, BAS and Your Real Take-Home Pay](https://pay44.app/blog/military-les-bah-bas-take-home/): Your LES shows total pay; your W-2 shows only part of it. See how BAH and BAS stay tax-free, the 2026 rates, and what civilian salary matches your take-home.
- [Part-Year Withholding: Seasonal Job Tax](https://pay44.app/blog/part-year-employee-withholding-seasonal/): Payroll taxes every check as if you work 52 weeks. See why a seasonal or part-year job over-withholds federal tax in 2026, and how to get it back.
- [27 Paychecks in 2026: What the Extra Biweekly Check Means](https://pay44.app/blog/27-paychecks-2026/): Some biweekly employees get 27 paychecks in 2026. See why it happens, who is affected, how it changes your check size, and what it means for taxes and 401(k).
- [My Paycheck Is Wrong: Employee Rights and How to Recover Unpaid Wages](https://pay44.app/blog/paycheck-wage-theft-rights/): Paycheck wasn't paid correctly? Learn your federal and state employee rights, how to verify the math, and the exact steps to recover unpaid wages.
- [Why Is My Paycheck Smaller in January? The Payroll Reset](https://pay44.app/blog/january-paycheck-smaller-payroll-reset/): Your January paycheck is smaller because four things reset on Jan 1: Social Security tax, 401(k) contributions, health premiums, and FSA/HSA elections.
- [Per Diem and Stipends: Taxable or Not? (2026 Rules)](https://pay44.app/blog/per-diem-stipend-taxable-paycheck/): Are per diem and stipends taxable? See the 2026 IRS rules, the $178 standard rate, the accountable plan test, and how a taxable stipend hits your paycheck.
- [Section 125 Cafeteria Plan on Your Paycheck, Explained](https://pay44.app/blog/section-125-cafeteria-plan-paycheck/): See what Cafe 125 or Sec 125 means on your pay stub and W-2, why it lowers both income tax and FICA, and why your W-2 Box 1 is below your salary.
- [Teacher Pay: 10 vs 12 Months (2026 Paycheck Math)](https://pay44.app/blog/teacher-pay-10-vs-12-months/): See the real per-paycheck math for teachers paid over 10 vs 12 months in 2026, why 10-month checks can over-withhold tax, and how to fund the summer gap.
- [Employer Payroll Taxes vs. Employee: FUTA, SUTA & FICA (2026)](https://pay44.app/blog/employer-payroll-taxes-futa-suta/): FUTA and SUTA are paid by your employer, not you. See who pays which payroll tax in 2026, the rates and wage bases, and what your job really costs.
- [Additional Medicare Tax (0.9%): A Guide for High Earners](https://pay44.app/blog/additional-medicare-tax-explained/): The 0.9% Additional Medicare Tax hits high earners in 2026. See the thresholds, worked examples, why withholding differs from what you owe, and Form 8959.
- [457(b) Paycheck Impact: How Deferrals Change Take-Home](https://pay44.app/blog/457b-deferred-compensation-paycheck/): See how a 457(b) deferred comp deferral changes your take-home pay in 2026, with worked biweekly math, pre-tax vs. Roth, the FICA catch, and limits.
- [Holiday Pay, Double-Time, and Shift Differential (2026)](https://pay44.app/blog/holiday-double-time-shift-differential-pay/): Holiday pay, double-time, and shift differentials are ordinary taxable wages, not taxed at a special rate. See how to calculate each and what you keep.
- [Minimum Wage by State 2026: Your Real Take-Home Pay](https://pay44.app/blog/minimum-wage-by-state-2026-take-home/): See the 2026 minimum wage in every state, plus full-time pay after federal tax and FICA, and how state income tax changes it. Gross vs. net, explained.
- [How to Read Your W-2 Form Box by Box (2026 Guide)](https://pay44.app/blog/how-to-read-your-w2/): Plain-English 2026 W-2 walkthrough: every box explained, the new TA/TP/TT codes, why Box 1 differs from your salary, and how to reconcile with your pay stub.
- [How Much Income You Need to Afford Rent: The 3x Rent Rule](https://pay44.app/blog/income-needed-for-rent-3x-rule/): The 3x rent rule uses gross income, but you pay rent from take-home. See the formula, an income table, and how state taxes change what you can afford.
- [Budgeting Around Your Take-Home Pay: The 50/30/20 Rule](https://pay44.app/blog/budget-take-home-pay-50-30-20/): Learn how the 50/30/20 rule works, why it uses take-home pay instead of gross salary, and how pre-tax 401(k) and HSA contributions already fund your savings.
- [RSU Stock Vest Paycheck Withholding: Why 22% Isn't Enough (2026)](https://pay44.app/blog/rsu-withholding-paycheck/): RSU vests are taxed as supplemental wages at a flat 22%, but most recipients sit in the 24%, 32%, 35%, or 37% bracket. See the gap and how to fix it.
- [Tipped Minimum Wage and the Tip Credit Explained (2026)](https://pay44.app/blog/tipped-minimum-wage-tip-credit/): How the $2.13 tipped wage and $5.12 tip credit work, the make-up rule, states that ban it, and how tips flow into your real take-home pay.
- [Multi-State Withholding: Work in One State, Live in Another (2026)](https://pay44.app/blog/multi-state-withholding-live-vs-work/): Live in one state and work in another? Here is how 2026 paycheck withholding, reciprocity, the convenience rule, and the resident-state credit work.
- [Final Paycheck Rules by State: 2026 Deadlines & PTO](https://pay44.app/blog/final-paycheck-rules-by-state/): When is your last paycheck legally due after quitting or being fired? See 50-state deadline tables, PTO payout rules, and how severance is taxed.
- [Quarterly Estimated Taxes for the Self-Employed](https://pay44.app/blog/quarterly-estimated-taxes-self-employed/): No employer withholds tax when you are self-employed. How to calculate quarterly estimated taxes, the 2026 due dates, and the safe-harbor rules.
- [Wage Garnishment Paycheck Impact 2026: What Gets Taken](https://pay44.app/blog/wage-garnishment-paycheck-impact/): See exactly how wage garnishment shrinks your 2026 paycheck. CCPA 25% cap, IRS levies, child support, student loans, priority order, and state rules.
- [Salary Needed to Take Home a Target Amount by State (2026)](https://pay44.app/blog/salary-needed-to-net-target-by-state/): Know your take-home goal? Here is the gross salary needed to net any target by state in 2026, plus the gross-up math to solve for $75K, $100K, or $150K.
- [Imputed Income on a Paycheck: What It Means in 2026](https://pay44.app/blog/imputed-income-paycheck-explained/): Decode imputed income on your pay stub. See how IMP, GTL, and PUCC lines raise your taxes without boosting cash pay, with 2026 examples.
- [Child Support Withholding on Your Paycheck: 2026 Guide](https://pay44.app/blog/child-support-paycheck-withholding/): How a child support IWO becomes a payroll deduction in 2026: CCPA 50/55/60/65% caps, NMSN stacking, employer fees, plus a worked biweekly paystub example.
- [Student Loan Wage Garnishment & Your Paycheck in 2026](https://pay44.app/blog/student-loan-wage-garnishment-2026/): Student loan wage garnishment is paused in 2026, but the 15% rule still applies. See how much can be taken, the math, and how to stop it.
- [State Paycheck Deductions Explained: PFML, FAMLI & SUI 2026](https://pay44.app/blog/state-paycheck-protections-pfml-famli/): Confused by PFML, FAMLI, WA Cares or SUI on your pay stub? See 2026 employee rates by state, what each deduction means, and why your take-home pay shrinks.
- [Claiming Exempt on W-4: Paycheck Impact Guide 2026](https://pay44.app/blog/claiming-exempt-w4/): See how claiming exempt on a W-4 affects your paycheck in 2026, who qualifies, what still gets withheld, and the risks if you owe tax later at filing.
- [Why My Paycheck Went Down After a Raise: 7 Reasons](https://pay44.app/blog/paycheck-went-down-after-raise/): Got a smaller paycheck after a raise? Learn 7 common causes, what to check on your pay stub, and how 2026 payroll rules can affect your take-home pay.
- [Local City Income Tax: How It Cuts Your Paycheck (2026)](https://pay44.app/blog/local-city-income-tax-paycheck/): Local city income tax can take up to 4% of your wages. See 2026 rates for NYC, Philadelphia, Detroit and more, plus real take-home dollar examples.
- [Dial In W-4 Withholding to Break Even (2026)](https://pay44.app/blog/dial-in-w4-withholding/): Dial in W-4 withholding to break even at tax time with a pay stub, tax return, remaining paychecks, and a 2026 paycheck checkup workflow to limit refund shock.
- [2026 Federal Tax Brackets: The Paycheck Math](https://pay44.app/blog/2026-federal-tax-brackets-paycheck/): See the 2026 federal tax brackets, walk through IRS percentage-method withholding, and get exact per-paycheck dollars at $45K, $85K, $150K, and $260K.
- [Effective vs. Marginal Tax Rate (2026)](https://pay44.app/blog/effective-vs-marginal-tax-rate/): Effective and marginal tax rates explained with a worked 2026 example. See which rate hits your paycheck, why a raise never costs you money.
- [No Tax on Tips in 2026: Paycheck Changes](https://pay44.app/blog/no-tax-on-tips-2026-paycheck/): See how the 2026 no tax on tips deduction affects paycheck withholding, FICA taxes, state tax, W-4 updates, and tipped income records.
- [Gross-Up Formula: Net-to-Gross Paycheck Math](https://pay44.app/blog/gross-up-calculator-net-to-gross/): Learn the gross-up formula employers use to deliver a flat net bonus, relocation, or severance. Three worked 2026 examples plus a way to verify the math.
- [2026 401(k) Catch-Up Contributions Explained](https://pay44.app/blog/401k-catch-up-contributions-2026/): See exactly how 2026 catch-up contributions change your biweekly paycheck. Three worked examples cover the new $8,000, $11,250, and mandatory Roth tiers.
- [Dependent Care FSA: New $7,500 Cap for 2026](https://pay44.app/blog/dependent-care-fsa-paycheck/): See how a dependent care FSA changes your paycheck under the new 2026 $7,500 cap, with per-paycheck math, FICA savings, and DCFSA vs. credit examples.
- [Commuter Benefits 2026: Pre-Tax Transit & Parking](https://pay44.app/blog/commuter-benefits-pre-tax-paycheck/): How $340/month transit + $340/month parking pre-tax commuter benefits boost your 2026 paycheck. Real take-home pay math by income and state, with FICA savings.
- [Salary to Take Home $100K by State (2026)](https://pay44.app/blog/salary-to-take-home-100k-by-state/): What gross salary nets you exactly $100K take-home in 2026? Ranked table for all 50 states, from $129,820 in Texas up to $150,100 in Oregon, with math.
- [401(k) Loan Repayment Paycheck Impact (2026)](https://pay44.app/blog/401k-loan-paycheck-impact/): How a 401(k) loan repayment cuts your biweekly paycheck in 2026, why the principal is not double-taxed, and what happens if you leave the job mid-loan.
- [PTO Payout Taxes: Vacation Cash-Outs (2026)](https://pay44.app/blog/pto-vacation-payout-taxes/): PTO payouts are withheld at a flat 22% federal plus FICA and state tax. See 2026 take-home math for $2,000 in TX and CA, plus how to get over-withholding back.
- [Retro Pay Taxes: Catch-Up Check Math (2026)](https://pay44.app/blog/retroactive-pay-taxes/): Retro pay is taxed as supplemental wages. See the 2026 federal, FICA, and state withholding math, plus why most over-withholding comes back as a refund.
- [Roth vs Traditional 401(k): Paycheck Math 2026](https://pay44.app/blog/roth-vs-traditional-401k-paycheck/): See the exact biweekly paycheck difference between Roth and Traditional 401(k) at $50K, $75K, and $100K. Plus the FICA wash and 2026 contribution limits.
- [Severance Pay Taxes and Take-Home (2026)](https://pay44.app/blog/severance-pay-taxes-take-home/): See how much of a $10K, $50K, or $100K severance you actually keep in TX, CA, and NY using 2026 federal, FICA, and state rates. Worked examples included.
- [Two Jobs W-4 Withholding: Avoid a Tax Bill (2026)](https://pay44.app/blog/two-jobs-w4-withholding/): Two W-2 jobs almost always under-withhold. See the real 2026 shortfall in dollars, pick the right W-4 Step 2 option, and fix it in minutes.
- [Signing Bonus Tax: Your Take-Home (2026)](https://pay44.app/blog/signing-bonus-tax-take-home/): See how much of a $5K, $10K, or $25K signing bonus you actually keep after federal 22%, FICA, and state supplemental taxes in 2026. Clawback rules included.
- [Standard Deduction 2026: Paycheck Impact](https://pay44.app/blog/standard-deduction-2026-paycheck-impact/): The 2026 standard deduction is $16,100 (single) and $32,200 (MFJ). See how it affects your federal withholding and take-home pay with real paycheck examples.
- [Biweekly vs Semi-Monthly vs Weekly Pay (2026)](https://pay44.app/blog/biweekly-vs-semi-monthly-vs-weekly-pay/): Compare biweekly, semi-monthly, and weekly pay schedules with 2026 take-home examples, budgeting impacts, and overtime considerations.
- [FICA Taxes Explained: 2026 Rates and Limits](https://pay44.app/blog/fica-taxes-explained/): FICA taxes fund Social Security and Medicare. See 2026 rates, the $184,500 wage base, real paycheck examples at $50K-$200K, and how to reduce your FICA bill.
- [Maximize Take-Home Pay: 8 Strategies (2026)](https://pay44.app/blog/how-to-maximize-take-home-pay/): Keep more of each paycheck with W-4 tuning, pre-tax deductions, 2026 OBBB tax breaks, state tax planning, and practical examples.
- [Pre-Tax vs Post-Tax Deductions: Paycheck Math](https://pay44.app/blog/pre-tax-vs-post-tax-deductions/): Learn how pre-tax and post-tax deductions change your paycheck. See 2026 limits, side-by-side paycheck examples, and the FICA nuance most guides miss.
- [Health Insurance Paycheck Deductions in 2026](https://pay44.app/blog/health-insurance-paycheck-deductions/): Learn how paycheck health insurance deductions work, pre-tax vs. post-tax treatment, tax rules, and average worker costs in 2026.
- [Self-Employment Tax vs Employee Tax: 2026 Guide](https://pay44.app/blog/self-employment-tax-vs-employee-tax/): Compare self-employment tax (15.3%) to employee FICA (7.65%) with 2026 rates. See real dollar differences at $50K-$150K and strategies to reduce the gap.
- [2026 Payroll Tax Changes: Paycheck Impact](https://pay44.app/blog/2026-payroll-tax-changes/): Every 2026 payroll tax change that affects your take-home pay: new SS wage base, wider brackets, overtime and tip deductions, and real paycheck examples.
- [How to Read Your Pay Stub: 2026 Guide](https://pay44.app/blog/how-to-read-your-pay-stub/): Learn how to read your pay stub line by line. Decode every abbreviation, tax, and deduction with 2026 figures and two real paycheck examples.
- [Overtime Tax Deduction 2026: New Law Savings](https://pay44.app/blog/overtime-tax-deduction-2026-new-law/): The 2026 overtime tax deduction lets non-exempt workers deduct overtime premium pay from federal taxes. See who qualifies, caps, and paycheck examples.
- [HSA and FSA: How They Impact Your Paycheck in 2026](https://pay44.app/blog/hsa-fsa-paycheck-impact/): See exactly how HSA and FSA contributions change your paycheck. Includes 2026 limits, per-paycheck tables, real before-and-after examples, and FICA savings.
- [What Percentage of Your Paycheck Is Tax? (2026)](https://pay44.app/blog/what-percentage-of-paycheck-goes-to-taxes/): See the exact percentage of your paycheck that goes to federal, state, and FICA taxes in 2026. Real breakdowns at $35K, $50K, $75K, and $100K salaries.
- [States With No Income Tax in 2026: Take-Home](https://pay44.app/blog/states-with-no-income-tax/): All 9 states with no income tax in 2026, compared by actual take-home pay. See real paycheck numbers, hidden tax costs, and which state saves you the most.
- [Moving to a New State: Paycheck Impact (2026)](https://pay44.app/blog/moving-to-new-state-paycheck-impact/): See how moving to a different state changes your take-home pay. Compare state income taxes, cost of living, and 2026 rate cuts with real paycheck examples.
- [Tax on a $50K to $100K Salary: 2026 Guide](https://pay44.app/blog/how-much-tax-on-50k-to-100k-salary/): See exactly how much federal tax you owe on a $50K to $100K salary in 2026. Bracket-by-bracket breakdowns, FICA, state taxes, and take-home pay examples.
- [Married vs Single Filing: Paycheck Impact](https://pay44.app/blog/married-vs-single-filing-paycheck-difference/): See exactly how switching from single to married filing status on your W-4 changes your take-home pay, with 2026 bracket tables and real paycheck examples.
- [Your First Paycheck: Taxes & Deductions (2026)](https://pay44.app/blog/understanding-your-first-paycheck/): Your first paycheck is smaller than expected. Learn what every deduction means, see a 2026 dollar-by-dollar example, and find out how to read your pay stub.
- [How to Convert Work Hours Into Take-Home Pay (2026)](https://pay44.app/blog/convert-work-hours-to-pay/): Learn how to calculate hours worked, convert to decimal format, figure out gross pay with overtime, and estimate your take-home pay. With 2026 examples.
- [Salary vs Hourly: Convert Your Pay Rate (2026)](https://pay44.app/blog/salary-vs-hourly-pay-conversion/): Convert salary to hourly or hourly to annual salary with simple formulas. See 2026 examples, quick reference lists, and learn which pay type is right for you.
- [What Is Take-Home Pay? Formula & 2026 Examples](https://pay44.app/blog/what-is-take-home-pay/): Take-home pay is the money you actually receive after taxes and deductions. Learn the formula, see worked 2026 examples, and calculate your exact net pay.
- [How to Fill Out Form W-4 (2026): Step-by-Step Guide](https://pay44.app/blog/how-to-fill-w4-with-examples/): Walk through each 2026 Form W-4 step, from filing status to multiple jobs, dependents, and exemptions, with real-world examples for accurate withholding.
- [How 401(k) Contributions Affect Your Paycheck (2026)](https://pay44.app/blog/how-does-401k-affect-paycheck/): Traditional and Roth 401(k) contributions change taxable wages, W-4 settings, and withholding. See how to keep paychecks predictable under the 2026 form.
- [Overtime & Bonus Taxes: Take-Home (2026)](https://pay44.app/blog/overtime-bonus-commission-take-home/): Learn how overtime, bonuses, and commissions are taxed differently than regular wages. Compare the flat 22% and aggregate methods to maximize take-home pay.
- [Gross vs Net Pay: Taxes & Deductions (2026)](https://pay44.app/blog/paycheck-101-gross-vs-net-deductions/): Understand how taxes, FICA, and deductions reduce your paycheck. Learn the difference between gross and net pay with real 2026 examples and calculations.