TakeHome IQ: Next Paycheck

Know your next paycheck before payday. See what changed and why.

TakeHome IQ is built for variable-pay W-2 workers — hourly, shift-based, salaried with overtime, bonuses, commissions, or changing deductions. Most paycheck tools give you one number from one salary. Real paychecks move every period. TakeHome IQ shows you what yours will be, every time.

WHO IT'S FOR

• Hourly workers with overtime, shift differentials, or weekly variability
• Salaried workers with bonuses, commissions, or mid-year deduction changes
• Nurses, retail workers, drivers, trades — anyone whose pay moves
• People with more than one job or income source

WHAT IT DOES

• This Pay Period — a live projection of your next paycheck, always on your home screen
• What Changed — the exact lines that moved vs. your last saved paycheck, with plain-language reasons
• Where Pay Goes — a clear breakdown of federal, state, FICA, local, and deductions
• Build Next Paycheck — enter hours, bonuses, or deduction changes and see the impact instantly
• Scan Pay Stub — photograph a stub and auto-fill your inputs
• What-If — model overtime, bonuses, shift pickups, 401(k) changes, and filing-status changes before you commit
• Saved Paychecks — keep a history and watch your take-home evolve

HOW IT'S BUILT TakeHome IQ uses IRS Publication 15-T Worksheet 1A formulas for federal withholding, annual FICA wage bases with YTD tracking, and state withholding rules for all 50 states, Washington D.C., and Puerto Rico (including Puerto Rico source-exempt federal treatment). Supplemental wage handling covers both the 22% flat method and the aggregate method. We rebuild the math your payroll system runs — the same formulas, every period. Supported tax years: 2025 and 2026.

FREE INCLUDES

• This Pay Period live projection on your dashboard
• What Changed and Where Pay Goes breakdowns
• Build Next Paycheck with every earnings mode (salary, hourly, per-mile, flat)
• Full federal, state, FICA, and local tax math
• W-4 Steps 2, 3, 4(a), 4(b), 4(c)
• Pre-tax and after-tax deductions — 401(k), Roth 401(k), HSA, FSA, Section 125, custom
• Home Screen and Lock Screen widgets
• Up to 3 saved paychecks

PREMIUM UNLOCKS

• Unlimited Saved Paychecks — keep your full paycheck history
• Scan Pay Stub — photograph a stub and auto-fill inputs
• What-If scenarios — compare any pay-period decision before you make it
• Multiple Work Sources — each with its own state, rate, and deductions
• CSV export Monthly and annual subscription options are available inside the app. Manage anytime in the App Store.

PRIVACY Your paycheck data stays on your device. We do not sell your information. Analytics are opt-in and anonymous.

IMPORTANT: TakeHome IQ is a paycheck intelligence tool for informational purposes only. It is designed to match how your employer calculates withholding, but actual paycheck amounts can vary based on your employer's specific payroll setup, benefit elections, and jurisdiction. It does not provide tax, legal, or financial advice. For guidance on your specific situation, consult a qualified professional.

Download TakeHome IQ and know your next paycheck — before payday.

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