PayCairn: Paycheck Calculator

Know exactly what lands in your bank account — and how your year will end.

PayCairn is the paycheck calculator that turns your salary or hourly wage into real take-home pay, using 2026 federal and state tax tables for all 50 states and Washington, DC. Enter your pay once and PayCairn remembers it, so checking a raise, a bonus or a new W-4 takes seconds.

★ TAKE-HOME PAY, DONE RIGHT
• Salary or hourly, with overtime, double time, vacation/PTO hours, bonuses, commission and tips
• Several pay rates on one check, each with its own vacation pay and working dues % — built for union and prevailing-wage work
• Type math right into any amount (32.5×40) or tap the built-in calculator
• Weekly, every two weeks, twice a month, monthly, quarterly or annual pay
• Per paycheck, per month, per year and per hour views
• A clear chart of where every dollar goes

★ MATCHES YOUR W-4 AND STATE FORM
• New (2020 and later) W-4 or older W-4s with allowances
• Filing status, multiple jobs, dependents, other income, deductions and extra withholding
• Enter your state allowances exactly as on your form: you, your spouse and your kids
• Exempt from federal tax, Social Security, Medicare, state or local tax? Just flip a switch

★ EVERY STATE AND LOCAL TAX
• All 50 states + DC with state filing status, allowances and extra withholding
• State payroll taxes: California SDI, New York paid family leave, New Jersey TDI/FLI, Washington paid leave and WA Cares, Massachusetts, Oregon, Colorado and more
• All 92 Indiana counties, Maryland counties, New York City, Philadelphia, Detroit, Ohio cities, Kansas City, St. Louis — or enter any local rate

★ DEDUCTIONS YOUR WAY
• 401(k), 403(b), Roth, pension, 457(b), medical, dental, vision, HSA, FSA, union dues, working dues, vacation fund, holiday fund, child support and more
• Before or after tax, a fixed amount or a percent of gross or net pay
• Warns you if a deduction is bigger than what's left in the check

★ NEVER MISS PAYDAY
• Payday reminders: a nudge on payday morning to log your check
• Home-screen widget with your take-home, days to payday and year-to-date pay
• Logging streaks keep your year on track

★ PLAN YOUR WHOLE YEAR
• Log each paycheck in seconds — it's pre-filled for you
• Or enter the year-to-date totals from your pay stub once
• Projected year-end income, taxes and take-home, with a month-by-month chart
• Budget your take-home with 50/30/20 needs, wants and savings

★ BONUS, RAISE & 401(k) CALCULATORS
• Bonus: what you really keep, and whether the 22% withholding comes back at tax time
• Raise: your new paycheck from a percent, a new hourly rate or a new salary
• Overtime: take-home from extra hours and the tax on your next dollar
• 401(k) match: see the free money you're leaving on the table
• Side income: what to set aside for 1099, gig and freelance work

★ REFUND OR OWE? KNOW BEFORE YOU FILE
• Estimates your federal refund or balance due, with kids, other income and the new overtime, tips and senior deductions
• Owe money? Tap once to add the right extra withholding

★ MORE YOU'LL LOVE
• Compare the same paycheck in every state before you move
• Save scenarios for a second job or job offer and see the difference side by side
• Light and dark themes, in English and Spanish
• Private by design: your pay details stay on your phone — no account, no sign-up

★ PAYCAIRN PRO (one-time purchase, no subscription)
• No ads
• 401(k) match planner: full match vs. max out, with the real take-home cost
• Quarterly estimated taxes for side income, with due dates
• Take-home goal: find the gross pay you need for the check you want
• PDF pay summary and CSV export
• Unlimited scenarios and the full 51-state ranking
• Try Pro free for 24 hours by watching one short ad

PayCairn provides estimates for planning and is not tax, legal or financial advice. Your employer's payroll may differ slightly.