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.
- Moving States Take-Home Pay Comparison Calculator Keep the same salary and compare net take-home pay side by side between any two US states.
- Overtime 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.
- 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.
- 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.
- 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 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
- 401(k) 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.
- 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.
- 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 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.
- 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 See the difference between your marginal and effective federal tax rates. Bracket-by-bracket breakdown showing how each dollar is taxed.
- 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.
- Quarterly Estimated Tax Calculator Estimate your 2026 quarterly estimated tax payments, including self-employment tax and the IRS safe harbor amount, with due dates.
- 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.
- 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.
- 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.
- 403(b) and 457(b) 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.
- 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.
- 3-Paycheck Months Calculator (2026) 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 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.
- 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.
- 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 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.
- 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.
- 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 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 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.
- 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.
- 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.
- Mileage Reimbursement Calculator Calculate your mileage reimbursement or deduction using the 2026 IRS standard rates for business, medical, moving, and charitable driving.
- 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.
- 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) 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.
- 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 Estimate the gross and take-home value of unused PTO, vacation time, or paid leave after federal, FICA, and state withholding.
- 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.
- RSU Tax Calculator 2026 Estimate RSU vesting taxes, take-home value, sell-to-cover shares, and possible withholding gaps for restricted stock units.
- 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 Estimate combined take-home pay when you mix a W-2 job with 1099 side hustle income, including self-employment tax and quarterly estimates.
- Tax Bracket Optimizer 401(k) 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 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.
- 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 Calculate your true hourly rate after taxes, commute time, unpaid overtime, and job-related expenses.
- W-2 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.
- 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 Project your full-year take-home pay, federal refund or balance due, and W-4 fix from a single pay stub's YTD figures.