PaycheckTools

PaycheckTools is a free suite of 10 paycheck and income calculators designed to answer the question everyone has but most tools overcomplicate: what do I actually take home? Every calculator runs instantly in your browser — no sign-ups, no paywalls, no ads. Just plug in your numbers and get clear, honest results. The calculators cover the full range of how people earn and think about money: Paycheck Calculator — enter your salary or hourly rate and see your real take-home pay after federal taxes, state taxes, Social Security, Medicare, and any deductions like 401(k) or health insurance. Gross to Net Calculator — start with your gross pay and see exactly where every dollar goes, broken down line by line. 1099 vs W-2 Calculator — compare a freelance rate to a salaried offer side by side, factoring in self-employment tax, benefits, and expenses so you can make an apples-to-apples decision. Freelance Rate Calculator — figure out what hourly rate you need to charge to match a salaried position, or what a client contract is really worth after taxes and overhead. Salary to Hourly and Hourly to Salary Calculators — convert between pay formats instantly, accounting for hours worked, weeks off, and overtime. Overtime Calculator — see how overtime hours affect your paycheck, including how time-and-a-half and double-time stack up after withholdings. Pay Raise Calculator — model a raise and see the actual take-home difference, not just the gross number your employer quotes. Commission Calculator — calculate tiered and flat commission structures and see what lands in your pocket after taxes. Biweekly Pay Calculator — plan around a biweekly pay schedule, including those two bonus paycheck months that trip up so many budgets. Beyond the calculators, the site includes 30+ blog posts covering real paycheck and money topics: how federal tax brackets actually work, how to read your pay stub, the real difference between 1099 and W-2, what percentage of your paycheck goes to taxes, how to adjust your W-4 to stop overpaying, salary negotiation from a take-home perspective, budgeting methods compared, and honest reviews of tax software and payroll tools. Everything is written from a paycheck-first angle — meaning we start from what you earn and work outward, rather than burying the answer behind jargon and theory. The audience is anyone who works for a living: salaried employees, hourly workers, freelancers, side hustlers, and people starting their first job who want to understand where their money goes. PaycheckTools is free to use at paychecktools.co.