Real Pay Tools

All tools

Eleven calculators, all free, all running entirely in your browser. Nothing you type is sent anywhere.

Most used

Take-Home Pay Calculator

2026 federal brackets, standard deduction, state tax and FICA, down to what you keep.

Hourly to Salary Calculator

Convert either direction, then adjust for overtime and unpaid weeks for the real rate.

Job Offer Comparison Calculator

Two offers, one number: base, bonus, equity, match, benefits and commute.

Raise Calculator

What a raise adds to take-home pay, and whether it beats inflation.

Commute Cost Calculator

Fuel, parking and the hours, converted to the salary equivalent.

Severance Calculator

Estimate a package from service years and see how long it covers you.

Overtime Pay Calculator

Time and a half or double time, and whether your salary clears the 2026 exempt threshold.

Bonus Tax Calculator

What is withheld at 22% versus what the bonus really costs you at filing.

Freelance Rate Calculator

The hourly rate that actually replaces a salary after self-employment tax and lost benefits.

W-2 vs 1099 Calculator

Compare a salaried offer against a contract rate, and find the break-even rate.

Relocation Salary Calculator

Adjust for cost of living and state tax to see whether a move is really a raise.

How these tools work