Paycheck Optimizer
Know Exactly What You Keep
See your real tax burden per paycheck, spot over- or under-withholding instantly, and get W-4 adjustment recommendations.
Paycheck Details
Current Withholding
Enter the amounts shown on your most recent pay stub.
Pre-Tax Deductions
Withholding Analysis
Federal Withholding
ActualTarget
State Withholding
ActualTarget
FICA (SS + Medicare)$268
Automatically deducted. Not adjustable on W-4.
Paycheck Breakdown
Gross Pay$3,500
Federal Tax−$450
State Tax−$150
FICA−$268
Net Pay$2,632
Effective Rate
29.2%
Marginal Bracket
22%
Annual Gross
$91,000
W-4 Recommendations
Based on your inputs, here's how to adjust your withholding.
✓
Withholding looks good
Your federal withholding is within 5% of what you owe. No changes needed.
↑
Increase withholding by ~$176/paycheck
Your state withholding is too low by ~$176/paycheck. Update your state W-4 / DE 4 form.
Projected year-end$4,053 owed
You may face an underpayment penalty. Consider increasing withholding.