Help & Support
We’re here to help you get the most from TakeHome IQ.
Contact Us
For questions, feedback, or issues with TakeHome IQ, email us at:
We typically respond within 1–2 business days.
Frequently Asked Questions
Is TakeHome IQ a tax preparation tool?
No. TakeHome IQ provides paycheck estimates based on IRS withholding guidelines and the information you enter. It is not a substitute for professional tax advice or tax preparation software.
How accurate are the estimates?
Our calculations follow IRS Publication 15-T for federal withholding and state-specific withholding guides for all 50 states. Results are estimates and may differ from your actual paycheck due to employer-specific policies, payroll rounding, or mid-period changes.
Where is my data stored?
All your paycheck data is stored locally on your device. We do not maintain a database of your financial information on our servers. If you use the Pay Stub Scan feature, images are processed in real time and are not stored after processing.
How do I cancel my subscription?
Subscriptions are managed through Apple. To cancel, go to Settings → Apple ID → Subscriptions on your iPhone, find TakeHome IQ, and tap Cancel Subscription. Your premium features will remain active until the end of your current billing period.
How do I delete my data?
Since your data is stored locally, deleting the app from your device removes all saved paychecks, work sources, and settings. If you’d like to request deletion of any data we may hold (such as your email from the waitlist), contact us at the email above.
Which states are supported?
TakeHome IQ supports federal withholding and state income tax calculations for all 50 U.S. states, Washington D.C., plus Puerto Rico. Local tax support is available for select jurisdictions including cities in Ohio, New York, and other localities.
How does overtime affect my paycheck?
Overtime is not taxed at a special rate — it’s ordinary income. But your take-home per overtime hour is lower because the extra pay is withheld at your marginal tax rate, plus FICA (7.65%). The IRS annualization method can also push your withholding into a higher bracket for that pay period. TakeHome IQ lets you preview exact overtime impact before you work extra hours.
What is FICA and why is it on my pay stub?
FICA stands for Federal Insurance Contributions Act. It includes Social Security tax (6.2% up to the annual wage base of $184,500 in 2026) and Medicare tax (1.45% on all wages, plus an additional 0.9% on wages above $200,000). Every W-2 worker pays FICA — it funds Social Security and Medicare benefits.
What’s the difference between pre-tax and after-tax deductions?
Pre-tax deductions (like traditional 401(k), HSA, and health insurance) reduce your taxable income before taxes are calculated, so they lower your tax bill. After-tax deductions (like Roth 401(k)) come out after taxes — you pay taxes now but get tax-free benefits later. TakeHome IQ routes each deduction type correctly through the calculation.
How do I know if my paycheck is correct?
Compare your pay stub line by line: verify gross pay matches your rate and hours, check that deductions match your elections, and confirm tax withholdings look reasonable for your income level. TakeHome IQ’s audit trail shows every intermediate calculation step so you can see exactly how your take-home was derived.
What if I have multiple jobs?
With premium, TakeHome IQ supports multiple Work Sources — each with its own pay rate, state, filing status, and deductions. If you have multiple jobs, check the Step 2 box on your W-4 at each employer so withholding accounts for your combined household income.
Paycheck Guides
Learn more about how your paycheck works: