Paycheck Breakdown Calculator
Where every dollar of your paycheck goes, visualized.
Your numbers
How this calculator works
Most people know their salary and their bank balance, but the journey between the two is a blur of deductions, taxes and auto-payments. This paycheck breakdown calculator makes it visible in two steps. First it estimates your net pay: gross minus pre-tax deductions (401(k), HSA), minus a flat estimated tax rate, minus post-tax deductions like insurance premiums. Then you allocate that net pay across bills, savings, debt payments and spending money, and it shows each slice as a percentage plus whatever is left unallocated.
The unallocated number is the diagnostic. Positive means money is leaking somewhere untracked, give it a job (usually more savings). Negative means you are budgeting more than you earn, which is how credit card balances quietly grow; cut spending or bills until it hits zero. The percentages reveal your real priorities versus your stated ones: if "spending money" dwarfs savings, no budgeting app will fix what the allocation exposes. Run it per paycheck rather than monthly if you are paid biweekly, the two-extra-paychecks months become visible bonuses instead of mystery money.