paycheck calculator · federal & state taxes · benefits · 1099/self-employment · pay schedule
Federal: 2026 (IRS Rev. Proc. 2025-32) · State: 2025 rates · Estimates only, not tax advice
Editing: Person 1
Your Pay
Enter what you earn and what actually lands in your account. No tax modelling — switch to Advanced to calculate withholding from scratch.
$
$
How often are you paid?
How are you paid?
Type
Method
Amount
Any Overtime?
Overtime calculated at 1.5× hourly rate, or enter a custom amount.
Federal Tax Withholding (W-4)
$
$
$
$
$
State & Local Taxes
$
Benefits & Deductions
Toggle each benefit as Pre-tax (reduces taxable income) or Post-tax. Pre-tax benefits reduce federal and state taxable wages.
Benefit / Deduction
Per Period ($)
Tax Treatment
Sync to Retirement Calculator
1099 / Self-Employment Income
Self-employment income is subject to SE tax (15.3% on 92.35% of net earnings). Half of SE tax is deductible. Quarterly estimated payments required if you expect to owe $1,000+.
Label / Source
Income ($)
Expenses ($)
Pay Schedule
Generate your full-year pay schedule. Select your first pay date and the system calculates all remaining dates automatically.
Person 1
Person 2
Optional — Budget and Debt & DTI can also import directly using your saved Income data.