Income Calculators
The number on your offer letter and the number that's actually yours are rarely the same. Taxes, inflation, an employer match you're not capturing, the gas and hours a side gig really takes — each one quietly sits between your gross pay and your real pay. These calculators close that gap and show you what your work is genuinely worth.
Start with the basics that hide in plain sight: the take-home pay calculator shows what actually lands in your account after withholding, and the real raise calculator tells you whether this year's bump actually beats inflation or just looks like it does. If you earn outside a paycheck, the side hustle hourly rate calculator strips out tax, gas, and unpaid time to reveal your true rate, and the cash under the table calculator weighs the tax you'd save now against the Social Security and unemployment credits you'd forfeit later. And the one most people leave on the table — the 401k match calculator — puts a dollar figure on the free money you're walking past every pay period. No advice, no signup — just your real number, gone when you close the tab.
Calculators in this category
Gross to Net Take-Home Pay
Convert your gross salary into estimated net take-home pay after federal, state, FICA, and other deductions.Is Your Raise Actually a Raise?
Find out if your raise actually increased your buying power after inflation and taxes.Side Hustle Real Hourly Rate
Calculate your true hourly rate from a side hustle after taxes, gas, and unpaid prep time.401k Match Left on the Table
Calculate how much employer 401k matching money you are missing by not contributing enough.Cash Under the Table vs Future Benefits
Compare the tax saved today by working under the table against the future benefits you lose.Wage Garnishment Survival Math
See if you can survive after a 25% federal wage garnishment hits your paycheck.Common questions
How much of my paycheck do I actually take home?
Take-home pay is your gross wage minus federal, state, and local income tax, Social Security and Medicare (about 7.65%), and any benefit or retirement deductions. The combined bite commonly runs 20–35% depending on income and location, so a $60,000 salary often lands closer to $45,000 in the bank.
How do I know if my raise actually beats inflation?
Compare your percentage raise to the inflation rate over the same period. If prices rose 4% and your raise was 3%, your buying power actually fell — a "raise" that's really a pay cut in real terms. Subtract inflation from your raise percentage to see whether you came out ahead or behind.
Is it worth contributing enough to get my full 401(k) match?
Almost always, yes. An employer match is an immediate, guaranteed return on your contribution — a 50% or 100% match means an instant 50–100% gain before any market growth. Contributing at least enough to capture the full match is widely considered the highest-priority step in personal finance, ahead of most other saving.