Stub44 Calculators
Free salary and paycheck calculators — take-home pay by state, salary-to-paycheck, net-pay job-offer comparisons, and deduction impact. No signup, no email — just answers.
General
- 401(k) Paycheck Impact Calculator See how raising your 401(k) contribution changes your take-home pay, what each pre-tax dollar really costs after taxes, and how much match you forfeit.
- Bonus Tax Take-Home Calculator Estimate what you actually keep from a bonus after the 22% federal supplemental withholding, Social Security, Medicare, and your state's bonus tax.
- Bonus vs. Raise Calculator Compare a one-time bonus against a salary raise after 2026 supplemental withholding, FICA, and 401(k) match, and find the year the raise wins.
- Car Affordability Calculator (20/4/10 Rule) See how much car you can afford on your salary using the 20/4/10 rule, based on your real take-home pay.
- Cost of Living Salary Comparison Calculator Compare your salary between two US cities adjusted for cost of living and see the equivalent pay you would need to keep the same standard of living.
- Daycare Cost vs. Salary Calculator See whether a second income still pays off after daycare. Enter salary, childcare, and work costs to get real take-home, effective hourly wage, and breakeven.
- Three-Paycheck Months Calculator Find the months you get a third biweekly paycheck in 2026, 2027, or 2028, what each extra check nets after taxes, and whether your year has 27 pay periods.
- Federal Employee Take-Home Pay Calculator Estimate a federal employee paycheck after the FERS deduction, traditional or Roth TSP, the FEHB premium, and 2026 federal, state, and FICA tax.
- Gig Driver Take-Home Pay Calculator Estimate your real take-home pay as an Uber, Lyft, or DoorDash driver after the 2026 IRS mileage deduction, self-employment tax, and federal and state tax.
- Health Plan Cost Per Paycheck Comparison Calculator Compare two employer health plans per paycheck: premium, deductible, coinsurance, HSA seed, and pre-tax savings. Get total 2026 cost and the breakeven.
- HSA & FSA Paycheck Impact Calculator See how pre-tax HSA and FSA contributions cut your take-home pay, what each dollar really costs after tax, and the FICA savings a 401(k) never gets.
- Is $X a Good Salary? Income Percentile Calculator by State Enter a salary and a US state to see your estimated income percentile, how it compares to the state median, and whether it's a good salary there.
- Marginal vs Effective Tax Rate Calculator See your top federal bracket next to the average rate you actually pay, with a bracket-by-bracket breakdown and the tax on your next $1,000 earned.
- Net to Gross Salary Calculator Enter the take-home pay you want, plus your state and filing status, to estimate the gross salary you need to earn after federal, state, and FICA taxes.
- Overtime Pay Take-Home Calculator See what your overtime hours are actually worth after federal, state, and FICA tax stack on top of your regular wages, including the 2026 no-tax-on-overtime deduction.
- Paycheck Budget Split Calculator (50/30/20) Split your take-home pay into needs, wants, and savings per paycheck. Use 50/30/20, 60/20/20, 70/20/10, or custom splits, by state and pay frequency.
- Paycheck by Pay Frequency Calculator See your gross and take-home pay per check at every US pay frequency, weekly, biweekly, semimonthly, and monthly, side by side for 2026.
- Paycheck Deduction Checker Enter the numbers printed on your pay stub and check whether Social Security, Medicare, federal withholding, and net pay add up under 2026 rules.
- Prorated Salary Calculator Started or left a job mid-period? Enter your salary and dates to see prorated gross pay by calendar day, workday, or pay period, plus 2026 take-home.
- Raise Net Take-Home Impact Calculator See how much of a pay raise you actually keep after 2026 federal, state, and FICA taxes, and what it adds to each paycheck.
- Remote Work State Tax Calculator See which state taxes your remote paycheck when you live and work in different states, whether reciprocity or an out-of-state credit applies, and your estimated take-home.
- How Much Rent Can I Afford on My Salary? Find the rent you can afford on the 30% rule, measured against your real take-home pay and not just gross income.
- Salary Needed to Afford a House Calculator Enter a home price to find the salary you need to afford it under the 28/36 rule, including down payment, rate, taxes, insurance, and PMI.
- Salary Raise Needed to Keep Up With Inflation Calculator Find the raise you need just to keep up with inflation, then see whether the offer you got grew or shrank your real wage.
- Salary Take-Home Pay Calculator by State See what any salary is worth after taxes in all 50 states plus DC, with 2026 take-home pay by year, month, and paycheck and a full tax breakdown.
- Salary to Hourly After Taxes Converter Work out what an annual salary really pays per hour after taxes, with the federal, state, Social Security, and Medicare math for 2026 behind it.
- Second Job Take-Home Calculator See how much of a second job's pay you actually keep after your marginal tax rate, FICA, and state tax stack on top of your primary salary.
- Shift Differential Take-Home Calculator Enter your base rate, night hours, and weekend premium to see blended overtime pay, gross wages, and what the differential is worth after 2026 taxes.
- State Relocation Take-Home Comparison Calculator Compare your after-tax take-home pay between two US states before you relocate, with a full federal, state, and FICA breakdown.
- No Tax on Tips Calculator See your 2026 qualified-tip deduction after the $25,000 cap and MAGI phase-out, plus the FICA and state tax you still owe on every tip dollar.
- Total Compensation Calculator Add up base salary, bonus, equity, 401(k) match, and benefits, then see what a job offer is really worth after 2026 federal, state, and FICA taxes.
- Two-Income Household Take-Home Pay Calculator Combine two salaries to see your household's joint take-home pay after 2026 federal, state, and FICA taxes, plus your marriage bonus or penalty.
- 1099 vs. W-2 Rate Equivalent Calculator Turn a W-2 salary into the 1099 hourly rate you need to break even, with self-employment tax, lost benefits, unpaid PTO, and business expenses priced in.
- W-4 Withholding Planner Enter your W-4 entries and salary to project your 2026 federal withholding against your actual tax bill, and see the Step 4(c) extra withholding that zeroes out a refund or balance due.