💵 Complete Paycheck Analysis

The Paycheck
Optimizer

Enter your salary. Get the optimal 401k%, HSA contribution, and exact take-home pay per paycheck. Updated for 2025 tax brackets.

Your Paycheck Setup
Annual Gross Salary
Pay Frequency
Filing Status
State Tax Rate — 5%
401k Contribution — 6%
Employer 401k Match — 4%
Annual HSA Contribution
Other Pre-Tax Deductions (annual)
Your Optimized Paycheck
Net Take-Home Pay
$0
per paycheck
Gross pay per period—
401k contribution (pre-tax)—
HSA contribution (pre-tax)—
Other pre-tax deductions—
Federal income tax—
State income tax—
Social Security (6.2%)—
Medicare (1.45%)—
Net Take-Home—
Employer 401k match (free!)—
Effective total tax rate—
Annual Summary
CategoryAnnual
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