Help & Support
TakeHome IQ is a paycheck intelligence app for U.S. W-2 workers. It projects your next take-home pay using IRS Publication 15-T for federal withholding, shows what changed vs. your last paycheck, and breaks down configured federal, FICA, deduction, and available state and local estimates. State selection covers all 50 states, Washington D.C., and Puerto Rico.
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?
Federal withholding follows IRS Publication 15-T for supported inputs. State, local, and employee payroll-program results are planning estimates using available jurisdiction data and inputs; certificate, payment-context, rounding, resident/work-state, and employer-method coverage varies.
Where is my data stored?
Paycheck records are stored locally and may sync through your private iCloud database. We do not maintain a separate primary database of those records. 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.
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 restore my purchases?
Open TakeHome IQ, go to Settings, and tap “Restore Purchases.” This re-syncs your subscription status with Apple. If your premium features don’t reappear, make sure you’re signed in with the same Apple ID you used to subscribe, then try again.
How do I delete my data?
Deleting the app removes its local store from that device, but records already mirrored to your private iCloud database may remain available to sync. Delete records in the app before removal if you want those deletions mirrored through CloudKit. To request deletion of data we directly hold, contact us at the email above.
What’s free and what’s premium?
Free includes the live pay-period dashboard, federal withholding, FICA, and available state and local estimates, every earnings mode, W-4 steps, deduction presets (401(k), HSA, FSA, commuter, custom lines with your own tax treatment, and more), widgets, up to 10 saved paychecks, up to 2 work sources, What Changed comparisons, and the Paycheck Profile (auto-fill W-4 and deductions on every new paycheck). Premium unlocks unlimited saved paychecks, unlimited pay-stub scanning and What-If scenarios, unlimited work sources, and CSV & PDF export. Monthly and annual subscription options are available inside the app.
Which tax years are supported?
Federal withholding supports 2025 and 2026. State selection uses the 2026 dataset; individual state, local, and payroll-program source and effective-date coverage varies and is not uniformly certified as current.
Which states are supported?
State selection is available for all 50 U.S. states, Washington D.C., and Puerto Rico. TakeHome IQ provides selected local and employee payroll-program estimates; availability and completeness vary by jurisdiction.
How does overtime affect my paycheck?
Overtime is wage income, but withholding on an overtime paycheck depends on the federal method, YTD thresholds, deductions, and available state and local rules. TakeHome IQ lets you preview an estimated paycheck 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 covered wages, plus an additional 0.9% above the employer withholding threshold). Most W-2 workers pay FICA, subject to statutory exceptions.
What’s the difference between pre-tax and after-tax deductions?
The selected deduction tax treatment determines which configured wage bases it reduces. State conformity and plan-specific rules can vary, so state results remain estimates unless that dimension is certified.
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 how the app derived its estimate and where it may differ from the pay stub.
What if I have multiple jobs?
TakeHome IQ supports multiple Work Sources — each with its own pay rate, state, filing status, and deductions. Free includes up to 2 Work Sources; premium unlocks unlimited. For multiple jobs, use the IRS estimator or Form W-4 Step 2 instructions to choose the method that fits your situation; Step 2(c) has specific conditions.
App Version
For the current version and release notes — what’s new in each update — see the TakeHome IQ listing on the App Store.
Paycheck Guides
Learn more about how your paycheck works: