Understanding Your Paycheck and Getting Paid Fairly
A payslip compresses a lot of arithmetic into a few lines. Knowing how each number is derived makes it much easier to spot an error, negotiate a rate, or plan around a pay change.
What actually comes out of your gross pay
In the US, the US Paycheck Calculator breaks a salary down into federal income tax, Social Security, and Medicare, and shows what's left per pay period. In the UK, the UK Take-Home Pay Calculator does the equivalent with Income Tax and National Insurance, including the personal allowance taper that kicks in above £100,000.
If you're a UK contractor weighing PAYE-style employment against operating through a limited company, the IR35 Calculator compares estimated take-home pay both ways side by side.
Converting between pay structures
Job offers rarely use the same units. The Salary to Hourly Converter moves between an annual figure and an hourly rate using your actual weekly hours, which matters more than people expect — a $70,000 salary at 35 hours a week pays meaningfully more per hour than the same salary at 45 hours.
For hourly and shift workers, the Work Hours Calculator totals a week's clock-in and clock-out times into gross pay, and the Overtime Pay Calculator adds time-and-a-half (or whatever multiplier applies) on top of a regular rate.
For freelancers and the self-employed
Setting a rate as a freelancer means covering your income goal, your business costs, and the hours you'll realistically bill — not just picking a number that sounds right. The Freelance Rate Calculator does that math, and the Invoice Generator turns the result into a clean, printable invoice for a client.
Time off and commuting costs
Paid time off accrues quietly in the background of most jobs — the PTO Accrual Calculator tracks your current balance from your accrual rate and what you've already used. And since commuting is really a recurring cost most people never total up, the Commute Cost Calculator shows the real yearly price of driving or taking transit to work.