Your employer reports one number. The government takes its cut before you ever see it. This document shows you exactly what happened to your money.
Every deduction. Every agency. Every dollar. No redactions.
§ 01Gross Income
Income Type
Regular W-2 salary, same every paycheck
Total Annual Compensation
Pay Frequency
Base Salary
Bonus / Commission
IRS withholds at 22% flat supplemental rate
§ 02Tax Jurisdiction
Filing Status
State
§ 03Pre-Tax Deductions
401k Contribution %
Reduces taxable income. Max $23k/yr.
Health Insurance /mo
HSA / FSA /mo
Other Pre-Tax /mo
Dental, vision, transit, etc.
DISCLOSURE GENERATED
ACTUAL MONTHLY TAKE-HOME — AFTER ALL DEDUCTIONS
per month — what actually hits your account
Per Paycheck
Per Year
You Keep
Line Item
%
Amount
Where Every Dollar Goes
What This Take-Home Realistically Covers
Things Nobody Tells You
2024 federal tax brackets | Standard deductions applied | State rates are approximate averages.
This tool provides educational estimates. Not personalized tax or financial advice.
Results may differ from your actual paycheck based on additional withholdings, credits, or local taxes.
A tool by objectively.net
§ 01Method — How Long Have You Been at This Job?
Calculation Method
You've been at this job 90+ days and it's 90+ days into the year — use your YTD gross for the most accurate calculation lenders use.
§ 02YTD Income Details
YTD Gross Income
$
Total gross earnings shown on your most recent paystub
Hire Date
The date you started this job
Last Pay Date
Date of your most recent paycheck
Pay Frequency
§ 02Base Pay Details
Pay Type
Hourly Rate
$
Hours Per Week
Standard is 40. Use your actual scheduled hours.
Pay Frequency
GROSS INCOME CALCULATED
GROSS INCOME
Estimated Gross Monthly Income
per month — gross before taxes
Annual
Weekly
Per Paycheck
What lenders want to see: Most banks and landlords ask for gross monthly income on applications. Use the number above. If you're under 90 days or under 90 days into the year, most lenders will use base pay only — variable income like overtime and bonuses typically requires a history to count.
Now see your actual take-home
Calculate what you keep after taxes and deductions →
→
YTD method annualizes income based on days worked. Base rate method uses standard 52-week year.
Results are estimates for application purposes. Actual lender calculations may vary.
A tool by objectively.net