# PaystubKit — full catalog
> Free paycheck calculators. Estimates only — not tax, payroll, or financial advice.

Site: https://mypaystubkit.com/
Operator: One More Turn Ventures LLC
Contact: tools@mypaystubkit.com

## Paycheck Calculator
URL: https://mypaystubkit.com/tools/paycheck-calculator/
Gross-to-net paycheck estimate: federal withholding, FICA, optional state flat tax, and take-home.

### How does this paycheck calculator estimate federal tax?
It annualizes your gross pay, subtracts an optional pre-tax 401(k) percent and the 2026 standard deduction for your filing status, then applies a simplified federal bracket table (Rev. Proc. 2025-32). It is not IRS Publication 15-T percentage-method withholding.

### Does FICA include Social Security and Medicare?
Yes. Employee Social Security is 6.2% up to the 2026 wage base of $184,500. Medicare is 1.45% on all wages. Additional Medicare tax (0.9% over $200,000 single / $250,000 married) is included in the Medicare line when it applies.

### Does a 401(k) contribution reduce FICA?
Traditional employee 401(k) deferrals typically reduce federal (and often state) taxable wages, but they remain subject to Social Security and Medicare. This estimator follows that pattern.

### Why is my real paycheck different?
Employers use your W-4, pre-tax benefits (health, HSA, FSA), local taxes, credits, and payroll rounding. This tool ignores most of those. Treat it as a planning estimate only.

### Is this tax advice?
No. PaystubKit results are educational estimates only — not tax, payroll, or financial advice.

## Hourly to Salary Calculator
URL: https://mypaystubkit.com/tools/hourly-to-salary/
Convert an hourly rate to weekly, biweekly, monthly, and annual pay. Optional overtime at 1.5× over 40.

### How do you convert hourly to salary?
Weekly gross = hourly rate × hours per week (with optional 1.5× overtime over 40). Annual = weekly × 52. Monthly is weekly × 52 ÷ 12. Biweekly is weekly × 2.

### What overtime rule do you use?
When overtime is enabled, hours over 40 in the week are paid at 1.5× the hourly rate. This is a common FLSA-style shortcut, not a full regular-rate calculation.

### Is this take-home pay?
No — this tool shows gross pay. Use the paycheck calculator or take-home pay tool for a net estimate.

### Do you assume 52 paid weeks?
Yes. Unpaid time off is not subtracted. PTO cash-out is a separate future tool.

### Can hours be under 40?
Yes. Part-time hours simply annualize at the hourly rate with no overtime.

## Overtime Pay Calculator
URL: https://mypaystubkit.com/tools/overtime-pay-calculator/
Estimate overtime and optional double-time pay from your regular rate, hours, and multiplier.

### How is overtime pay calculated?
Overtime pay = overtime hours × regular rate × overtime multiplier (default 1.5). Optional double-time uses its own hours and multiplier (default 2.0).

### Is this the FLSA regular rate?
No. The FLSA regular rate can include non-discretionary bonuses and other pay. This is a simple rate × hours × multiplier estimate.

### Can I include regular hours too?
Yes. Enter regular hours to see straight-time pay plus overtime and a weekly total.

### Does this withhold taxes?
No. It estimates extra gross overtime pay. Run a paycheck estimate if you need a net guess.

### What is a typical overtime multiplier?
Time-and-a-half (1.5×) is the common federal overtime premium. Some employers pay double-time on Sundays or after a daily threshold.

## Take-Home Pay Calculator
URL: https://mypaystubkit.com/tools/take-home-pay/
See what hits your bank: per-paycheck net from salary and pay frequency, with the same estimate engine.

### How is take-home pay estimated?
From annual salary and pay frequency we estimate per-paycheck net using the same engine as the paycheck calculator: 2026-ish federal brackets, standard deduction, employee FICA, optional 401(k) and flat state tax.

### What does “what hits my bank” mean?
Net pay after estimated federal income tax, Social Security, Medicare, and optional state tax — the amount that would remain if those were the only deductions.

### Does this include health insurance or garnishments?
No. Those are not modeled yet. Entering them as extra pretax or post-tax items is on the backlog.

### Weekly vs monthly — which should I pick?
Pick the frequency your employer actually uses. The same salary produces different per-check amounts at 52, 26, 24, or 12 periods.

### Is this tax advice?
No. Estimates only — not tax, payroll, or financial advice.

## Biweekly Paycheck Calculator
URL: https://mypaystubkit.com/tools/biweekly-paycheck/
Salary ↔ biweekly gross/net, 26 vs 24 paychecks, and which months get an extra paycheck.

### What is the 26 vs 24 paycheck difference?
True biweekly pay is 26 checks a year (sometimes 27). Semimonthly is 24 checks a year (1st and 15th, or similar). Dividing salary by 24 instead of 26 overstates each check.

### When do I get three paychecks in a month?
On a biweekly calendar, two months typically contain three Fridays (or whatever payday you use). Those are “extra paycheck” months — cash-flow, not extra salary.

### How do you convert salary to biweekly gross?
Biweekly gross ≈ annual salary ÷ 26. Semimonthly gross ≈ annual salary ÷ 24.

### Can I go from biweekly gross back to salary?
Yes. Annual gross ≈ biweekly gross × 26. We also show the 24-paycheck (semimonthly) comparison so the two methods are not mixed up.

### Is the net estimate official?
No. Net uses the same simplified federal/FICA engine as the other tools — educational only.

## Bonus Paycheck Calculator
URL: https://mypaystubkit.com/tools/bonus-paycheck/
Estimate net bonus pay with 22% supplemental federal withholding, FICA, and optional state tax.

### What is supplemental withholding?
The IRS lets employers withhold a flat 22% federal income tax on many bonuses and other supplemental wages (up to an annual supplemental threshold). Some employers instead use the aggregate method with your regular paycheck.

### Does this tool use 22%?
Yes, as a simple supplemental federal estimate. Your employer might use aggregate withholding, which can take more or less from that check.

### Is FICA taken on bonuses?
Usually yes. Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%) generally apply to bonus wages. Enter year-to-date wages if you may hit the Social Security cap.

### Why is my bonus check smaller than 78%?
22% federal is only one piece. FICA (~7.65% until the SS cap) plus state tax also come out. Aggregate withholding can be higher if the bonus is stacked on a regular check.

### Is this tax advice?
No. Bonus net is an educational estimate — not tax, payroll, or financial advice.

## 401(k) Paycheck Impact
URL: https://mypaystubkit.com/tools/401k-paycheck-impact/
Slider for deferral % showing take-home vs estimated annual tax savings (still an estimate).

### Does a 401(k) contribution reduce FICA?
Usually no. Traditional employee deferrals typically reduce federal (and often state) taxable wages but remain subject to Social Security and Medicare.

### Is employer match included?
No. This page shows employee deferral vs take-home only.

### Is this tax or investment advice?
No. Estimates only — not tax, payroll, investment, or financial advice.

## W-4 Withholding Estimator
URL: https://mypaystubkit.com/tools/w4-withholding-estimator/
Map W-4 steps (filing status, dependents, extra withholding) onto a rougher per-check guess.

### Is this Publication 15-T?
No. It is an educational sketch, not the IRS W-4 worksheet or percentage-method withholding.

### How are dependents handled?
Qualifying children are sketched at $2,000 and other dependents at $500, subtracted from estimated annual federal tax (floored at $0), with no phaseouts.

### Is this tax advice?
No. Estimates only — not tax, payroll, or financial advice.

## Paystub Decoder
URL: https://mypaystubkit.com/tools/paystub-decoder/
Explain common paystub line items (pre-tax vs post-tax, YTD, employer FICA).

### What is employer FICA?
Employers match Social Security (6.2% to the wage base) and Medicare (1.45%). That cost is not subtracted from employee net. Additional Medicare tax is employee-only.

### Is YTD a real calendar?
Only if you enter YTD gross. Otherwise treat YTD as a sketch.

### Is this payroll advice?
No. Definitions and estimates only — not tax or payroll advice.

## Contractor vs W-2
URL: https://mypaystubkit.com/tools/contractor-vs-w2/
Compare W-2 take-home vs 1099 (self-employment tax) at the same gross.

### Why is 1099 often lower at the same gross?
Contractors typically pay both shares of FICA as self-employment tax (15.3% on 92.35% of profit), unless expenses reduce profit.

### Do you include QBI?
No. Omitting Section 199A makes the 1099 side more conservative.

### Is this tax advice?
No. Estimates only — not tax, payroll, or financial advice.

## Hourly vs Salary Compare
URL: https://mypaystubkit.com/tools/hourly-vs-salary-compare/
Side-by-side offer compare including OT eligibility.

### How is hourly annualized?
Weekly gross = rate times hours plus 1.5 times overtime hours if OT-eligible, times paid weeks (default 52).

### Are benefits included?
No. Health, match, and PTO are omitted so the two offers stay comparable.

### Is this employment-law advice?
No. Estimates only — not tax, HR, or financial advice.

## Paycheck Tax Change
URL: https://mypaystubkit.com/tools/paycheck-tax-change/
What if I get a raise / change filing status? Per-check and annual net delta.

### Does a raise get taxed only at the top bracket?
The extra gross is taxed at the marginal rate in this sketch, but the page shows the full old vs new paycheck.

### Is this my employer what-if?
No. Employers use W-4 and Pub 15-T. Treat the delta as a planning range.

### Is this tax advice?
No. Estimates only — not tax, payroll, or financial advice.