TakeHomeIQ Paycheck Calculator

Know your next US paycheck before payday — and see exactly what changed since the last one. How much will my check be after taxes? What will overtime actually add? Why is this paycheck smaller than last time? TakeHome IQ answers these before payday, every pay period. Most paycheck calculators hand you one static number from one salary. Real paychecks move — overtime, bonuses, shift differentials, deduction changes, second jobs. TakeHome IQ is a paycheck calculator built for pay that changes. TakeHome IQ calculates United States payroll only — IRS federal withholding, all 50 states, Washington D.C., and Puerto Rico. It does not support payroll outside the U.S. WHO IT'S FOR • Hourly workers with overtime, shift differentials, or hours that vary week to week • Salaried workers with bonuses, commissions, or mid-year deduction changes • Nurses, retail workers, drivers, trades — anyone whose take-home pay moves • Households with more than one job or income source • Ahora en español — the full app, with official IRS terminology WHAT IT DOES • This Pay Period — a live projection of your next paycheck on your dashboard • What Changed — the exact lines that moved vs. your last saved paycheck, explained in plain language • Where Pay Goes — federal, state, FICA, and local taxes plus deductions, line by line • What-If — test overtime, a bonus, a shift pickup, a 401(k) change, or a new filing status and see the net-pay impact before you commit • Scan Pay Stub — photograph a stub and auto-fill your inputs • Widgets — your projected net pay on your Home Screen and Lock Screen ACCURATE BY DESIGN TakeHome IQ rebuilds the same math your payroll system runs: • Federal withholding straight from IRS Publication 15-T (Worksheet 1A), tax years 2025 and 2026 • Full W-4 support — Steps 2, 3, 4(a), 4(b), 4(c) • Social Security and Medicare with annual wage-base caps and year-to-date tracking • State withholding for all 50 states, Washington D.C., and Puerto Rico; local taxes included; state tables current for 2026 • Bonus and supplemental pay: both the 22% flat method and the aggregate method • Every earnings mode: salary, hourly with overtime, per-mile, per-trip, and flat pay FREE INCLUDES • Live paycheck projection with the full line-by-line breakdown • What Changed and Where Pay Goes • Complete federal, state, FICA, and local tax math • Pre-tax and after-tax deductions — 401(k), Roth 401(k), HSA, FSA, Section 125, custom • Home Screen and Lock Screen widgets • Paycheck Profile — auto-fill W-4, deductions, and imputed income on every new paycheck • Up to 5 saved paychecks and 2 Work Sources • 3 free pay-stub scans and 5 free What-If runs PREMIUM UNLOCKS • Unlimited saved paychecks, scans, What-If scenarios, and Work Sources • CSV & PDF export Monthly and annual subscriptions available in the app. Manage anytime in the App Store. PRIVATE BY DEFAULT Your paycheck records are stored in the app and may sync through your private iCloud database. No TakeHome IQ account is required. With your consent, Pay Stub Scan sends your selected image to our scan service and third-party AI provider for processing. Optional Firebase product analytics shares feature use and broad financial ranges using app-specific identifiers; you can turn it off in Settings. Feedback you choose to send follows a separate data flow. See our Privacy Policy for details. IMPORTANT TakeHome IQ provides estimates for informational purposes only. It is designed to match how your employer calculates withholding, but actual amounts can vary with your employer's payroll setup, benefits, and jurisdiction. It is not tax, legal, or financial advice. Stop guessing on payday. Download TakeHome IQ and know your number first. Terms of Use: https://takehomeiq.app/terms Privacy Policy: https://takehomeiq.app/privacy