The person behind the calculator
Enter a salary and state to estimate take-home pay. The calculators don't require an account, and you can use them without buying anything.
A starting point for pay decisions
The paycheck calculator uses 2026 federal brackets, the Social Security wage base, Medicare rates and a simplified income-tax rate for each state. Related tools cover raises, overtime and other pay questions.
I build and run the tools myself. You can send a bug report or feature request through the contact links below.
What the estimate leaves out
The main paycheck estimate isn't an official paystub. It excludes pre-tax deductions such as 401k and HSA contributions, local or city taxes, and credits. Your actual deposit can differ.
Check an employer estimate or paystub before relying on a figure for a job decision. Tax data was last reviewed in August 2026.
| Federal brackets and standard deduction | IRS (2026) |
| Social Security and Medicare | SSA.gov / IRS (2026) |
| State income-tax rates | State revenue departments (2026) |
If a figure looks wrong, email the inputs you used and the result you expected. Please leave out account numbers and other private financial details.
Plan the cash gap between jobs
The Job Change Decision Kit compares entered take-home pay and work costs, then puts expected deposits and bills on a dated cash plan.
Download a ZIP for a desktop browser. Save separate scenarios, edit partial or delayed paychecks, and print a decision brief. The working files run offline.
Preview the kit and see what's includedAlready a zovo.one member? Check your existing access before buying. Email lipmichal@gmail.com with your membership receipt so I can check what's covered.
Support the tools or get the membership
The calculators remain free to use. These are the existing zovo.one membership options. If you already have access, check whether it covers the kit before buying again.
- Your feature requests near the top of my queue
- Early access to tools still in testing
- Supports keeping the site free of ads
- No subscription, nothing to cancel
- Lifetime access to every tool on zovo.one, live now and not yet shipped
- The zovo.one Chrome extension and BeLikeNative, included
- No subscription, no monthly fee, no per-tool charge
- Your requests jump the queue
Tools, code and contact
Visit zovo.one for the wider toolset and memberships. My public code is on GitHub.
For membership questions, contact support@zovo.one. For kit access or a question before buying it, email lipmichal@gmail.com.
Try the free calculator
Estimate take-home pay for your salary and state. No purchase is needed.
Open the paycheck calculator