Know your next paycheck before payday.
That extra shift paid way less than you thought? See your estimated take-home, modeled tax and deduction lines, and what changed since last time.
Free to start · No signup · State selection nationwide
A repeatable paycheck estimate.
Open it and you already know what’s coming — every pay period.
Know before payday
A live projection of your next check using the inputs and jurisdiction rules configured in the app.
Review the configured breakdown
Review the configured federal, FICA, state, and deduction lines from gross to projected net. Employer methods and available jurisdiction rules can differ.
Model a pay-period decision
Overtime, a bonus, a 401(k) change — compare the configured paycheck estimate before you commit.
Review your real stub
Snap a photo or import a PDF of your pay stub, then review captured lines and comparison differences. Unresolved identities still need confirmation.
Know before payday
A live projection of your next check using the inputs and jurisdiction rules configured in the app.
Review the configured breakdown
Review the configured federal, FICA, state, and deduction lines from gross to projected net. Employer methods and available jurisdiction rules can differ.
Model a pay-period decision
Overtime, a bonus, a 401(k) change — compare the configured paycheck estimate before you commit.
Review your real stub
Snap a photo or import a PDF of your pay stub, then review captured lines and comparison differences. Unresolved identities still need confirmation.
Your real take-home, right now.
Enter your pay and review the configured paycheck breakdown.
Live biweekly estimate using the configured federal method. The app supports the full main W-4 input, taxable-wage YTD inputs, and selected local estimates.
Built for paycheck review.
Federal withholding based on IRS Publication 15-T, plus state estimates and selected local coverage, on your device.
Configured federal withholding estimates for tax years 2025 and 2026.
State estimates nationwide, with selected local and payroll-program coverage.
Records stay local and may sync through private iCloud. Scans are sent only with your consent.
Decide with the after-tax number, not the gross.
“Should I pick up Saturday?” “Is bumping my 401(k) worth it?” Model the real decision — then compare side by side.
- Overtime & extra shifts
- Bonuses & commissions
- 401(k) & deduction changes
- “What gross do I need to hit $2,000 net?” (reverse solver)
That’s the number that actually lands in your account — not the $312 gross.
Start free. Upgrade when you’re hooked.
The core paycheck estimate is free. Premium is for power users who track every period.
- Federal, FICA, state estimates & selected local lines
- State selection for all 50 states, DC & Puerto Rico
- Saved-paycheck category comparisons & configured breakdowns
- Live pay-period dashboard — adjust overtime, extra pay & missed time
- Paycheck Profile — save your deductions once, auto-fill every calculation
- Up to 10 saved paychecks
- Up to 2 work sources (for second jobs)
- 3 free pay-stub scans & 10 What-If runs to try
- Custom deductions with your own label & tax treatment
- Unlimited saved paychecks & history
- Unlimited pay-stub scanning & comparison
- Unlimited What-If scenarios
- Unlimited work sources for multi-job households
- CSV & PDF export
Know your next paycheck
before payday.
Free on iPhone & iPad. No signup. State selection nationwide.
Frequently asked questions
What does the estimate cover?
The app calculates configured federal withholding for 2025 and 2026 and provides state selection nationwide. Certificate fields, local systems, employee programs, cross-state rules, and available inputs vary by jurisdiction.
Do I need an account?
No TakeHome IQ signup is required. Records stay local and may sync through your private iCloud database. With your consent, stub images and security metadata are sent to the scan services under the processing and retention terms in our privacy policy. Analytics are opt-in.
Does it handle overtime, bonuses, and two jobs?
It models entered overtime, bonus and supplemental-pay scenarios, plus multiple Work Sources with their configured states and deductions. Legal eligibility, employer methods, and jurisdiction coverage still depend on the facts entered and available rules.
What’s free vs. paid?
All the core paycheck math is free — including custom deductions — plus up to 10 saved paychecks and trial runs of scanning and What-If. Premium unlocks unlimited saves, unlimited scanning, unlimited scenarios, multiple jobs, and export.
The in-app calculation provides configured paycheck estimates. Employer methods, forms, payroll setup, jurisdiction rules and elections can make the printed result differ. For tax advice, consult a professional.