💰
Loading your paycheck analysis...
Enter your pay details to see the breakdown
—
Take-Home
💵
Take-Home Pay
—
Per paycheck
🏛️
Total Taxes
—
Federal + State + FICA
📊
Effective Tax Rate
—
All taxes combined
🔄
Deductions
—
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
💡
Waterfall Breakdown
Watch your paycheck shrink step by step
📅
Annual Projection
Your full-year earnings, taxes, and take-home
🔧
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 ·
📖
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.