Stub44 vs Paycheck Calculator Take Home
Paycheck Calculator Take Home by TEAMZ LAB LTD is free with ads and no subscription. See how it compares with Stub44 on W-4, deductions and offline use.
Disclosure: Stub44 is our app. It is listed on the App Store as Salary Calculator + (id 6762491263). This comparison is written honestly, including the places where Paycheck Calculator Take Home is the better fit. Ratings, features and pricing are from the US App Store and Google Play as of September 2026.
Quick answer
Paycheck Calculator Take Home by TEAMZ LAB LTD estimates what lands in your account after federal, state, Social Security and Medicare withholding, then bundles 6,800+ other calculators across 138 categories. It runs on iPhone, iPad and Android and is free on the App Store. It has been listed there since 2024 (it began as a coin-flip app) and has led with the paycheck calculator since its September 2026 update. The catch is ads, and a listing that names few of the paycheck calculator’s inputs.
Stub44 turns an hourly wage or salary into take-home pay with federal and state income tax for all 50 states and DC, Social Security, Medicare, W-4 inputs and a long list of deductions. It is free to download with no ads, and sells a Pro subscription inside.
If you want a free estimate after withholding and ads don’t bother you, pick Paycheck Calculator Take Home. If you want to set the W-4, filing status, pay period and deductions yourself, pick Stub44. Both apps appear in our roundup of salary calculator apps.
Side-by-side
| Feature | Stub44 | Paycheck Calculator Take Home |
|---|---|---|
| Platforms | iOS + Android | iOS + Android |
| US App Store rating | No App Store ratings yet | 5.0 (4 ratings) |
| Google Play | 4.8 rating, 1K+ installs | Rating not stated, 100+ installs |
| Last updated | August 2026 | September 2026 |
| Free-tier limits | Not stated | None stated; the description says no paywall, no subscription |
| Paid plans | Pro, $2.99 a week or $29.99 a year | None on the App Store |
| Take-home pay estimate | Yes, a full gross-to-net breakdown | Yes, after federal, state, Social Security and Medicare withholding |
| State income tax | Yes, all 50 states + DC, with CA SDI, NY PFL and other state items | Yes, state withholding; which states are covered is not stated |
| Social Security and Medicare | Yes, with YTD wage-base capping and the additional Medicare surtax | Yes |
| W-4 inputs | Yes, post-2020 and pre-2020 forms, plus state allowances | Not stated; a separate withholding estimator tool is listed |
| Filing statuses | 5 | Not stated |
| Pay periods | 8, daily through yearly | Not stated |
| Hourly and overtime | Yes, hourly with multiple overtime entries, or annual salary | Yes, hourly and salary, overtime and time-and-a-half |
| Pre-tax deductions | Yes, 401(k), 403(b), 457(b), SIMPLE IRA, HSA, Health FSA, Dependent Care FSA | 401(k) and HSA, as a listed tool; FSA not stated |
| Post-tax deductions | Yes, Roth 401(k), 403(b) and 457(b), plus custom buckets | Not stated |
| Garnishments | Yes, child support, IRS levy, creditor garnishment | Not stated |
| Multiple jobs / profiles | Yes, saved profiles for jobs, offers and what-ifs | Not stated |
| Offline | Yes, works completely offline | Partly; the paycheck calculator is not among the built-in offline tools its description names, and tools you have opened stay available offline |
| Export | Not stated | Not stated |
| Languages | 1 (English) | 1 (English) in its App Store language list; its description says 39 |
| Ads | No | Yes |
| Account required | No | No |
| Data stays on device | Yes, calculations stay on the device, with no account | Not stated |
| Privacy label | Identifiers used to track you; Identifiers linked to you; Purchases, Usage Data and Diagnostics not linked to you | Identifiers used to track you; Usage Data linked to you; Identifiers, Usage Data and Diagnostics not linked to you |
Where Paycheck Calculator Take Home wins
Nothing is behind a paywall. The description promises no paywall and no subscription, and the App Store lists no in-app purchases for the app. Every paycheck feature it describes is in the free download, which shows ads. Stub44 is free to download but sells Pro at $2.99 a week or $29.99 a year.
It has a tool for 1099 income. Next to the paycheck calculator, the listing names a Self-employed and 1099 quarterly tax tool, and its April 2026 update renamed the app Paycheck & Freelance Calculator. If part of your income comes from freelance or contract work, that estimate sits in the same app as your paycheck. Stub44’s listing covers paycheck withholding and does not mention 1099 or quarterly tax.
It has App Store ratings. It shows 5.0 from 4 US App Store ratings, and Stub44 has no App Store ratings yet. Four ratings is a small sample, and the app has led with the paycheck calculator only since September 2026, so read the score as an early signal, not a verdict on the paycheck math.
Where Stub44 wins
The inputs are spelled out. Paycheck Calculator Take Home’s listing says it estimates federal and state withholding, but it does not say which states it covers and names no W-4 fields, filing statuses or pay periods. Stub44 lists all 50 states and DC, the post-2020 and pre-2020 W-4, five filing statuses and eight pay periods.
Deductions go past 401(k) and HSA. The other listing names a tool for 401(k) and HSA impact on your paycheck, and FSA, post-tax deductions and garnishments are not stated. Stub44 lists traditional and Roth 401(k), 403(b) and 457(b), SIMPLE IRA, Health and Dependent Care FSA, garnishments for child support, IRS levy and creditor garnishment, and custom buckets.
You can save a job and an offer. Paycheck Calculator Take Home’s listing does not mention saved pay profiles. Stub44 saves profiles for jobs, offers and what-ifs, and you switch between them with one tap.
No ads, and the paycheck math works offline. Paycheck Calculator Take Home carries the Contains Advertising annotation, and its paycheck calculator is not among the built-in offline tools its description names, though tools you have already opened stay available offline. Stub44 has no ads and states that it works completely offline. Neither app needs an account, and both privacy labels declare Identifiers used to track you.
Pricing
- Stub44 is free to download. Pro is a subscription at $2.99 a week or $29.99 a year. There is no introductory offer, but it comes with a 7-day free trial. What the free tier includes and what Pro unlocks are not spelled out on the store page.
- Paycheck Calculator Take Home by TEAMZ LAB LTD is free, with ads. The App Store lists no in-app purchases, and the description says there is no paywall and no subscription.
Over a year, Stub44 Pro costs $29.99, while Paycheck Calculator Take Home costs nothing on the App Store and shows ads instead.
Which one should you pick?
Pick Paycheck Calculator Take Home if you want a free after-withholding estimate with no subscription, ads don’t bother you, and you want a 1099 quarterly tax tool in the same app as your paycheck.
Pick Stub44 if you want to enter your W-4, filing status and pay period, need deductions like a 403(b), an FSA or a garnishment, or want to save profiles for your current job and an offer, with no ads.
If you want a number before installing either app, our free salary take-home pay calculator by state runs in the browser, and the W-4 withholding planner shows how your W-4 entries change what is withheld. Neither needs a download or an account.
Frequently asked questions
Is Paycheck Calculator Take Home free?
Yes. It is free to download, the App Store lists no in-app purchases for it, and its description says there is no paywall and no subscription. Its App Store age rating carries the Contains Advertising annotation, so it is free with ads. Stub44 is also free to download, with no ads, and sells Pro at $2.99 a week or $29.99 a year with a 7-day free trial.
Which states does Paycheck Calculator Take Home cover?
Its listing says it estimates pay after federal, state, Social Security and Medicare withholding, but it does not say which states are covered. Stub44 lists federal and state income tax for all 50 states and DC, and itemizes state payroll items such as CA SDI and NY PFL.
Does Paycheck Calculator Take Home use your W-4?
The listing names no W-4 fields, filing statuses or pay periods for its paycheck calculator. It lists a separate withholding estimator tool. Stub44 takes the post-2020 and pre-2020 W-4, state allowances, five filing statuses and eight pay periods from daily to yearly.
Does Paycheck Calculator Take Home work offline?
Partly. The paycheck calculator is not among the built-in offline tools named in its description, and the listing says tools you have already opened stay available offline. Stub44 states that it works completely offline and needs no account.
How is Paycheck Calculator Take Home rated?
It has 5.0 from 4 US App Store ratings, a small sample, and it has led with the paycheck calculator only since its September 2026 update. On Google Play it shows 100+ installs. Stub44 has no App Store ratings yet and has a 4.8 rating on Google Play with over a thousand Android installs.