Pay44 Calculators
Free 2026 paycheck, tax, retirement, and pay-period calculators. No signup, no email — just answers.
Calculators
Pay
- 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 Calculate the true cost of hiring an employee: employer Social Security, Medicare, FUTA, SUTA taxes, and total burden rate beyond salary.
- Hourly Paycheck Calculator Enter your hourly rate and hours worked — see exactly what lands in your bank account after taxes.
- Hourly to Salary Calculator Making $25/hour? See what that adds up to yearly — plus tax estimates for your take-home pay.
- Job Offer Comparator Comparing two offers? See which one puts more money in your pocket after federal and state taxes.
- 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 Got a raise coming? See how much more you'll earn per paycheck, per month, and per year.
- Salary to Hourly Calculator Find out what your $75K salary really pays per hour. See your daily, weekly, and monthly rate.
- Time and a Half Calculator See your regular, overtime (1.5x), and double-time (2x) pay breakdown from your hourly rate.
Tax
- 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.
- 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.
- Federal Tax Bracket Calculator 2026 Find your 2026 federal tax bracket, total tax owed, and effective rate with a bracket-by-bracket breakdown.
- FICA Tax Calculator 2026 Calculate your Social Security, Medicare, and Additional Medicare taxes per paycheck and per year.
- 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.
- Marginal vs Effective Tax Rate Calculator 2026 See the difference between your marginal and effective federal tax rates. Bracket-by-bracket breakdown showing how each dollar is taxed.
- 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 Estimate take-home pay from severance after federal supplemental, state, Social Security, and Medicare withholding. Compare lump sum vs salary continuation.
- W-4 Withholding Estimator 2026 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.
Retirement
- 401(k) 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.
- HSA Contribution Calculator Estimate your HSA tax savings and per-paycheck deduction with 2026 IRS limits.
- IRA Contribution Calculator Find your 2026 IRA contribution limit, Traditional deductibility, Roth eligibility, and the tax savings of each option.
- Roth vs Traditional 401(k) 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.
General
- 2026 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.
- 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.
- 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 Estimate your 2026 Dependent Care FSA tax savings, eligible election, and per-paycheck payroll deduction.
- 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.
- 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.
- 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.
- 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.
- RSU Tax Calculator 2026 Estimate RSU vesting taxes, take-home value, sell-to-cover shares, and possible withholding gaps for restricted stock units.
- True Hourly Rate Calculator Calculate your true hourly rate after taxes, commute time, unpaid overtime, and job-related expenses.
- 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.