TakeHomeIQ Paycheck Calculator

US Hourly Overtime & Net Pay

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Know your next US paycheck before payday — and see exactly what changed since the last one. How much will my check be after taxes? What will overtime actually add? Why is this paycheck smaller than last time? TakeHome IQ answers these before payday, every pay period. Most paycheck calculators hand you one static number from one salary. Real paychecks move — overtime, bonuses, shift differentials, deduction changes, second jobs. TakeHome IQ is a paycheck calculator built for pay that changes. TakeHome IQ calculates United States payroll only — IRS federal withholding, all 50 states, Washington D.C., and Puerto Rico. It does not support payroll outside the U.S. WHO IT'S FOR • Hourly workers with overtime, shift differentials, or hours that vary week to week • Salaried workers with bonuses, commissions, or mid-year deduction changes • Nurses, retail workers, drivers, trades — anyone whose take-home pay moves • Households with more than one job or income source • Ahora en español — the full app, with official IRS terminology WHAT IT DOES • This Pay Period — a live projection of your next paycheck on your dashboard • What Changed — the exact lines that moved vs. your last saved paycheck, explained in plain language • Where Pay Goes — federal, state, FICA, and local taxes plus deductions, line by line • What-If — test overtime, a bonus, a shift pickup, a 401(k) change, or a new filing status and see the net-pay impact before you commit • Scan Pay Stub — photograph a stub and auto-fill your inputs • Widgets — your projected net pay on your Home Screen and Lock Screen ACCURATE BY DESIGN TakeHome IQ rebuilds the same math your payroll system runs: • Federal withholding straight from IRS Publication 15-T (Worksheet 1A), tax years 2025 and 2026 • Full W-4 support — Steps 2, 3, 4(a), 4(b), 4(c) • Social Security and Medicare with annual wage-base caps and year-to-date tracking • State withholding for all 50 states, Washington D.C., and Puerto Rico; local taxes included; state tables current for 2026 • Bonus and supplemental pay: both the 22% flat method and the aggregate method • Every earnings mode: salary, hourly with overtime, per-mile, per-trip, and flat pay FREE INCLUDES • Live paycheck projection with the full line-by-line breakdown • What Changed and Where Pay Goes • Complete federal, state, FICA, and local tax math • Pre-tax and after-tax deductions — 401(k), Roth 401(k), HSA, FSA, Section 125, custom • Home Screen and Lock Screen widgets • Paycheck Profile — auto-fill W-4, deductions, and imputed income on every new paycheck • Up to 5 saved paychecks and 2 Work Sources • 3 free pay-stub scans and 5 free What-If runs PREMIUM UNLOCKS • Unlimited saved paychecks, scans, What-If scenarios, and Work Sources • CSV & PDF export Monthly and annual subscriptions available in the app. Manage anytime in the App Store. PRIVATE BY DEFAULT Your paycheck records are stored in the app and may sync through your private iCloud database. No TakeHome IQ account is required. With your consent, Pay Stub Scan sends your selected image to our scan service and third-party AI provider for processing. Optional Firebase product analytics shares feature use and broad financial ranges using app-specific identifiers; you can turn it off in Settings. Feedback you choose to send follows a separate data flow. See our Privacy Policy for details. IMPORTANT TakeHome IQ provides estimates for informational purposes only. It is designed to match how your employer calculates withholding, but actual amounts can vary with your employer's payroll setup, benefits, and jurisdiction. It is not tax, legal, or financial advice. Stop guessing on payday. Download TakeHome IQ and know your number first. Terms of Use: https://takehomeiq.app/terms Privacy Policy: https://takehomeiq.app/privacy

  • 5.0
    out of 5
    3 Ratings

What's New in 1.1.8: Improved - Reinstalling? The app now waits for your paychecks to come back from iCloud instead of asking you to set up again. - When your next paycheck falls in a new year, your year-to-date totals now start over, the way payroll does. January's Social Security and state leave deductions show up correctly. - Move your next pay date back to December and your December year-to-date totals return. - If your paycheck is dated in a year whose tax tables aren't in the app yet, a note tells you it's estimated with the newest tables, and the federal income tax details name the tables actually used. Fixed - The X for removing a line on Earnings, Reimbursements, Deductions and Imputed Income has a larger tap area, and so do the Deductions $/% and reset buttons. - When you add a line, its keyboard now waits until the add screen has closed, so the line no longer jumps as you reach for it. - A saved paycheck dated 2026 but still set to 2025 now reopens as a 2026 paycheck, keeping its pay date and using 2026 taxes. - On devices set to a non-Gregorian calendar, paychecks now use the right year's federal tax tables, and an active W-4 exemption is recognized.

The developer, Guani Holdings LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Purchases
    • Financial Info
    • Location
    • Contact Info
    • User Content
    • Identifiers
    • Usage Data
    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
Guani Holdings LLC
Size
32.9 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
  • iPhone
    Requires iOS 17.0 or later.
  • iPad
    Requires iPadOS 17.0 or later.
  • Mac
    Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
English and Spanish
Age Rating
4+
In-App Purchases
Yes
  • TakeHome IQ Premium (Annual) $31.99
  • TakeHome IQ Premium (Monthly) $3.99
Copyright
© 2026 Guani Holdings LLC