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When you first open Pay-Calc you will be taken to the Personal Information page. Fill in your filing status, number of dependents, home state, and any extra withholding and tap Save. You will then be taken to the main calculator.

Use the navigation tabs or sidebar to switch between calculators. Enter your income details, fill in any deductions, and tap Calculate to see your results.

No. Pay-Calc works 100% offline. All calculations are performed locally on your device and no internet connection is ever required. You can use Pay-Calc anywhere — on a plane, in a remote area, or anywhere else without connectivity.

No account is required. Pay-Calc stores your preferences locally on your device. There is no sign-up, no email address required, and no password to remember.

Tap the settings icon in the top right corner of any calculator screen to return to the Personal Information page. Update any fields and tap Save to apply your changes. Your updated information will be used in all subsequent calculations.

Salary-Calc is designed for employees who are paid an annual salary. Enter your gross annual salary and select your pay schedule — weekly, bi-weekly, semi-monthly, or monthly — to see your exact take-home pay for each pay period.

It includes full federal and state tax calculations, Social Security, Medicare, overtime, and custom deductions.

Tap the Annual Salary field and enter your gross annual salary. The field supports comma formatting and cents — for example, enter 75000 and it will display as 75,000.00. You can also enter amounts with cents such as 74,500.50.

Enter your gross salary before any deductions or taxes — Pay-Calc will calculate what is withheld.

Pay-Calc supports all standard pay schedules: Weekly (52 pay periods per year), Bi-Weekly (26 pay periods), Semi-Monthly (24 pay periods), and Monthly (12 pay periods).

Select your pay schedule from the dropdown and Pay-Calc will automatically calculate your gross pay per period and the appropriate tax withholding for that frequency.

Enter the number of overtime hours worked in the OT Hours field and select your overtime rate — 1.0x, 1.5x, or 2.0x — from the OT Rate dropdown. Pay-Calc will calculate the overtime pay based on your gross hourly rate (annual salary divided by 2,080 hours) and add it to your gross pay for that period.

Hourly-Calc is designed for workers paid by the hour. Enter your hourly rate and the number of hours worked to calculate your gross pay and exact take-home pay for that pay period.

Pay-Calc automatically determines your pay frequency based on hours worked — 40 hours maps to weekly, 80 hours to bi-weekly, and so on — ensuring accurate tax calculations.

Enter your regular hours in the Hours Worked field and any additional overtime hours in the OT Hours field. Select your overtime rate — 1.0x, 1.5x, or 2.0x. Pay-Calc will calculate both your regular and overtime pay and combine them into your gross pay before calculating taxes.

Both calculators use the same IRS annualization method. The tax amount should be consistent for the same annualized income. For example, $25/hour for 80 hours ($2,000 gross bi-weekly) annualizes to approximately $52,000 — the same as a $52,000 annual salary on a bi-weekly schedule.

If results appear different check that your hours worked reflect the correct pay period (40 hours = weekly, 80 hours = bi-weekly).

Indie-Calc is designed for freelancers, independent contractors, and self-employed workers. Unlike Salary-Calc and Hourly-Calc which calculate employer withholding, Indie-Calc calculates your total self-employment tax obligation including both the employee and employer portions of Social Security and Medicare.

Indie-Calc is available with a Pay-Calc Pro subscription.

Self-employment (SE) tax is calculated on 92.35% of your net self-employment income — this accounts for the deductible portion of SE tax. The SE tax rate is 15.3% (12.4% Social Security + 2.9% Medicare) on income up to the Social Security wage base, and 2.9% above that.

You can deduct half of your SE tax from your federal taxable income, which Indie-Calc calculates automatically.

Self-employed workers are generally required to pay estimated taxes quarterly rather than having taxes withheld from a paycheck. Toggle the Quarterly Payment option in Indie-Calc to see your estimated quarterly tax payment — one quarter of your annual tax obligation.

Quarterly payments are typically due in April, June, September, and January. Consult a tax professional for your specific obligations.

Compare-Calc lets you compare two income scenarios side by side. Choose any two calculator types for Scenario 1 and Scenario 2 — for example compare a $70,000 salary to a $35/hour hourly rate to see which puts more money in your pocket.

Results show side-by-side breakdowns with a difference column highlighting where the two scenarios diverge. Compare-Calc is available with a Pay-Calc Pro subscription.

Yes — you can mix and match calculator types. Compare a salary scenario against an hourly scenario, or compare two different salary amounts, or evaluate how a raise affects your take-home pay.

On desktop the two scenarios appear side by side. On mobile they stack vertically with the comparison results shown below.

Biz-Calc is designed for business owners, managers, and HR professionals who need to understand the true total cost of an employee — not just their salary. It calculates employer payroll taxes (Social Security, Medicare, FUTA, SUTA), benefits costs, overhead, and other expenses.

Biz-Calc is available with a Pay-Calc Pro subscription.

The Burden Rate is the percentage by which total employment costs exceed the base salary. For example a burden rate of 30% means the employee costs 30% more than their base salary when all employer taxes, benefits, and overhead are included.

Industry burden rates typically range from 20% to 50% depending on benefits and overhead.

SUTA (State Unemployment Tax Act) is the state unemployment tax paid by employers. The rate varies by state and by your business's unemployment claims history. Biz-Calc pre-populates a default SUTA rate — you can update this to match your actual state rate.

Find your SUTA rate on your state's department of labor website or on the quarterly tax notices from your state.

Non-Taxable Deductions are pre-tax deductions that reduce your taxable income before taxes are calculated. Common examples include 401(k) contributions, health insurance premiums, HSA contributions, and FSA contributions.

Enter either a dollar amount or a percentage of gross pay. These deductions reduce both your taxable income and your net pay.

Taxable Deductions are after-tax deductions that are taken from your paycheck after taxes have been calculated. Common examples include Roth 401(k) contributions, union dues, and life insurance premiums above the tax-free threshold.

These deductions reduce your net pay but do not affect your taxable income or tax withholding.

Some cities and localities charge their own income tax in addition to state income tax. Enter your local tax rate as a percentage in the City/Local Tax % field. Pay-Calc will calculate the dollar amount automatically based on your taxable income.

Check with your employer or local tax authority to find your applicable local tax rate.

Pay-Calc uses the standard IRS annualization method for withholding calculations. Your per-period gross income is annualized, the standard deduction for your filing status is applied, and your child tax credit is subtracted. The resulting taxable income is run through the current federal tax brackets to determine annual tax, which is then divided by your pay periods.

Federal tax brackets are verified against IRS Revenue Procedure 2025-32 for the 2026 tax year.

Pay-Calc uses 2026 tax year rates verified against official sources. Federal brackets are sourced from IRS Revenue Procedure 2025-32. State tax rates are verified individually against each state's Department of Revenue publications.

Brightray Technologies reviews and updates all rates annually at the start of each new tax year.

Pay-Calc provides estimates based on standard IRS withholding methods and verified 2026 tax rates. Results are designed to be as accurate as possible for typical employment situations.

However, individual tax situations vary. Pay-Calc does not account for all possible deductions, credits, or complex tax scenarios. Results are estimates only and should not be used as a substitute for advice from a qualified tax professional.

Several factors can cause differences between Pay-Calc estimates and your actual paycheck. Your employer may use a different withholding method, you may have additional withholding from your W-4, your state may have local taxes not captured, or you may have deductions not entered into the app.

Pay-Calc is designed as an estimation tool. For exact paycheck calculations consult your employer's payroll department or a tax professional.

Pay-Calc Pro is an optional subscription that unlocks all 5 calculators — Indie-Calc, Compare-Calc, and Biz-Calc — and removes banner advertisements from the app. Salary-Calc and Hourly-Calc are always free.

Pay-Calc Pro is $4.99 per year with a 7-day free trial. On Windows desktop all 5 calculators are always free with no subscription required.

Tap Subscribe Now on any of the locked calculator screens — Indie-Calc, Compare-Calc, or Biz-Calc. A purchase screen will appear from Google Play or the App Store. Complete the subscription to unlock all 5 calculators and remove ads immediately.

Your 7-day free trial begins at the time of subscription. You will not be charged until the trial period ends.

On Android: Open Google Play Store, tap your profile icon, go to Payments and subscriptions, find Pay-Calc Pro, and tap Cancel subscription.

On iPhone/iPad: Open Settings, tap your Apple ID at the top, go to Subscriptions, find Pay-Calc Pro, and tap Cancel Subscription.

You will retain access to Pay-Calc Pro features until the end of your current billing period.

Tap the Restore Purchases button on any locked calculator screen. Pay-Calc will check your purchase history and restore your subscription automatically. Make sure you are signed in to the same Google or Apple account used to originally purchase Pay-Calc Pro.

First try tapping Restore Purchases on any locked calculator screen — this forces the app to re-check your subscription status. If that does not work try closing the app completely and reopening it.

If the issue persists please contact us at developer@pay-calc.com with your order confirmation and we will resolve it promptly.

Yes. All financial data you enter into Pay-Calc is stored exclusively on your device and is never transmitted to Brightray Technologies or any external server. Brightray Technologies has no access to any information you enter into the app.

See our Privacy Policy for full details.

The free version of Pay-Calc on Android and iPhone displays small banner ads at the bottom of the Salary-Calc and Hourly-Calc screens. Ads are provided by Google AdMob.

Ads are not shown on Windows desktop. Ads are removed for all Pay-Calc Pro subscribers on all platforms.

You can clear your saved preferences at any time by going to your device settings, finding Pay-Calc in your installed apps, and clearing the app's local storage. Uninstalling the app will permanently delete all locally stored data.