Know your next paycheck. Free to start.
The core forecast is free — federal withholding based on IRS Publication 15-T plus state estimates in every state, with up to ten saved paychecks so you can see what changed from your last pay period. Premium unlocks unlimited pay stub scanning, What-If scenarios, and paycheck history for $49.99/year — about $4.17 per month. Start with a 7-day free trial.
- Federal, FICA, and state estimates — all 50 states + DC & PR, with selected local tax lines
- “What changed” & “where your pay goes”
- 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 & verify
- Unlimited What-If scenarios
- Unlimited work sources for multi-job households
- CSV & PDF export of your full history
Annual is the best value — about $4.17/month, saving $21.89 vs. monthly. Premium starts with a 7-day free trial — 7 days free, then $5.99/month or $49.99/year. Cancel anytime in your Apple ID settings. No cancellation fees; premium stays active until the end of your billing period.
Free vs Premium, line by line
| Feature | Free | Premium |
|---|---|---|
| Federal withholding based on IRS Publication 15-T | Yes | Yes |
| State selection for all 50 states, Washington D.C., and Puerto Rico; selected local coverage | Yes | Yes |
| Pre-tax deduction presets — 401(k), Roth 401(k), HSA, FSA, commuter, and more | Yes | Yes |
| Home/Lock Screen widgets, Siri Shortcuts, formatted paycheck sharing | Yes | Yes |
| Live pay-period dashboard — adjust overtime, extra pay, and missed time before payday | Yes | Yes |
| Saved paychecks — see what changed from your last pay period | Up to 10 | Unlimited |
| Work sources — track separate jobs with their own W-4 and deductions | Up to 2 | Unlimited |
| Work Source defaults — seed W-4, deductions, and entered imputed-income items for new live paychecks | Yes | Yes |
| Scan Pay Stub — review captured rows and comparison differences | 3 free | Unlimited |
| What-If scenarios — model overtime, bonuses, deduction changes, shift pickups | 10 free | Unlimited |
| Custom deductions — label any deduction with your own tax treatment | Yes | Yes |
| Export to CSV & PDF — send your full paycheck history to a spreadsheet or report | — | Yes |
| Price | $0 | $49.99/yr ($4.17/mo) · $5.99/mo |
Frequently asked questions
Is my data safe?
Paycheck records are stored locally and may sync through your private iCloud database. With your consent, everything visible in a selected Pay Stub Scan image passes through our services to a third-party AI provider. Separately, our services receive device-locale and network or app-attestation security metadata for rate limiting and abuse prevention. Those security fields aren't forwarded to the AI provider, and the attestation key is not a TakeHome IQ account. TakeHome IQ doesn't write the image to its app database. The provider's standard API terms can retain inputs for up to 30 days, with policy or legal exceptions, and say commercial API inputs aren't used for training by default. Extracted figures return to the app and may sync through private iCloud.
Can I cancel anytime?
Yes. Cancel your subscription anytime in your Apple ID settings. No cancellation fees. Your premium features remain active until the end of your current billing period.
Do I need an account?
No. Download TakeHome IQ from the App Store and start using the core forecast immediately — no signup, no email required. Premium features are unlocked through an in-app purchase managed by your Apple ID.
What if I need help?
Contact support at support@takehomeiq.com. We respond within 24 hours.
Know your next paycheck
before payday.
Free to start. No signup. Works in every state.
Download on the App Store