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Enter your pay details to see the breakdown
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Take-Home
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Take-Home Pay
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Per paycheck
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Total Taxes
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Federal + State + FICA
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Effective Tax Rate
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All taxes combined
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Deductions
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Insurance + 401k + Other
🎯 The Verdict
Enter your paycheck details below to get your breakdown.
💰 Your Paycheck
Enter your gross pay and deductions
📊 Where Your Money Goes
Every deduction from gross to net
What this means in plain English
Enter your gross pay, filing status, and deductions above to see exactly where your paycheck goes — in plain English.
What you should do next
- Fill in your details above and your personalized action plan will appear here.
Track your take-home pay across every raise and deduction change
Save your paycheck breakdown, model the impact of 401k increases or new deductions, and see how every change affects your actual take-home — before you make it.
💰 Take-home tracker📊 Tax trend charts📈 401k modeler☁️ Cloud save
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💡
Waterfall Breakdown
Watch your paycheck shrink step by step
📅
Annual Projection
Your full-year earnings, taxes, and take-home
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Adjustment Simulator
See how changing 401k or deductions affects take-home
🔧 Adjust Your Numbers
📊 Comparison
Adjust values to see impact
Paycheck Composition
Deduction Breakdown
Annual Take-Home Trend
Tax Rate Comparison
Paycheck Breakdown Report
Vault & Vessel Studio ·
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How To Use
Decode your paycheck — see exactly where every dollar goes
🚀 Getting Started
1
Enter Your Gross Pay
The big number on your pay stub — before any taxes or deductions come out.
2
Add Your Deductions
Filing status, state tax rate, 401k percentage, and insurance premiums from your pay stub.
3
See the Waterfall
Visual breakdown showing every deduction from gross to net — every dollar accounted for.
4
Simulate Adjustments
Change your 401k contribution or deductions to see how they impact take-home pay.
📊 Terms Made Simple
Gross Pay: The full amount your employer pays you before anything gets taken out. This is your "on paper" salary divided by pay periods.
Federal Tax: Income tax paid to the IRS. Uses tax brackets — you don't pay the same rate on every dollar. Higher income = higher rate on the last dollars only.
FICA (Social Security + Medicare): 7.65% of your gross. Social Security is 6.2% (up to a cap), Medicare is 1.45%. Your employer matches this — so 15.3% total goes to FICA.
Effective Tax Rate: Your REAL tax rate — total taxes divided by gross pay. Your marginal bracket might be 22%, but your effective rate is usually much lower because of how brackets work.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Tax calculations use simplified brackets and estimates. Consult a tax professional for exact numbers.