Quick Answer: Which Should You Use?
Pay44 wins for most people. It works offline, lets you save and compare multiple scenarios, and includes budgeting and what-if tools that ADP's calculator doesn't offer.
Choose ADP if your employer uses ADP payroll. The ADP Mobile app gives you access to your actual pay stubs, tax documents, and benefits info, not just estimates.
Disclosure: Pay44 (Paycheck Calculator US) is developed by EHM Tech. We've done our best to present an honest comparison, including areas where ADP has advantages. This comparison is for informational purposes only. We tested these tools in January 2026. Features, pricing, and availability may change. Always verify calculations with official payroll or tax professionals.
Key Differences at a Glance
- Offline access: Pay44 works without internet. ADP requires a connection.
- Planning tools: Pay44 has budgeting, scenario simulation, and paycheck comparison. ADP is calculation-only.
- Platform: Pay44 is mobile-only. ADP has web + mobile.
- Real payroll data: ADP users can see actual pay stubs. Pay44 provides estimates.
Side-by-Side Comparison
| Feature | Pay44 | ADP |
|---|---|---|
| Platform | iOS, Android | Web, iOS, Android |
| iOS Rating | 4.9 | 4.7 |
| Android Rating | 4.7 | 4.5 |
| Price | Free | Free* |
| Actual Pay Stubs | No | Yes |
| Offline Mode | Yes | No |
| All 50 States | Yes | Yes |
| Local/City Taxes | No | Limited |
| Account Required | No | Web: No, App: Yes |
| Save Calculations | Yes | No |
| Export Results | PDF, CSV, Text, Grid | No |
| Monthly Budgeting | Yes (with charts) | No |
| What-If Scenarios | Yes (with deltas) | No |
| Compare Paychecks | Yes (normalized) | No |
| Hourly vs Salary Compare | Yes | No |
*ADP web calculator is free. ADP Mobile app requires employer to use ADP payroll.
Pay44 (Paycheck Calculator US) Our Pick
Pay44 is a mobile paycheck calculator with 4.9 stars on iOS and 4.7 on Android. Beyond basic paycheck estimates, it includes three tools you won't find in most calculators: budgeting, scenario simulation, and paycheck comparison.
Budgeting Tool
Combine multiple paychecks with custom income and expense items to create a complete monthly budget. Visualize your money flow with waterfall charts, allocation donut charts, and top expenses breakdown.
Simulate Scenarios
Preview the financial impact of income changes before they happen. Adjust salary, hourly rate, or hours worked and instantly see deltas for gross pay, taxes, deductions, and net income. Save promising scenarios for future reference.
Compare Paychecks
Compare multiple saved calculations side-by-side with a normalized table showing gross income, taxes, deductions, and net pay. Includes a yearly net income chart. Compare hourly vs salary positions on equal footing.
Other Features:
- 2026 federal and state tax tables for all 50 states
- Salary and hourly with multiple pay frequencies
- Pre-tax deductions (401k, HSA, health insurance)
- Post-tax deductions and additional withholding
- Works offline (no internet required)
- Export results as PDF, CSV, Text, or Grid
Pros
- Works offline
- Budgeting with visual charts
- What-if scenario simulation
- Side-by-side paycheck comparison
- Export to PDF, CSV, Text, Grid
- No account required
- Free with optional ad removal
Cons
- Mobile-only (no web version)
- No local/city tax support
- Estimates only (not actual payroll data)
Best for: Job offer comparisons, monthly budgeting, what-if planning, anyone who wants offline access.
ADP Paycheck Calculators Established Brand
ADP offers two free web calculators (salary and hourly) plus the ADP Mobile Solutions app. The web tools provide quick estimates. The mobile app is for employees whose companies use ADP payroll.
Web Calculators:
- Salary and hourly paycheck calculators
- Federal and state tax withholding for all 50 states
- Some local tax support
- No account required
- Hourly calculator supports up to 6 different rates
ADP Mobile App (requires ADP employer):
- View actual pay stubs and tax documents
- Direct deposit management
- Benefits enrollment and tracking
- Time and attendance (employer-dependent)
Pros
- Trusted enterprise payroll provider
- Access to real pay stubs (app)
- Web-based (no download needed)
- Some local tax support
- Integrated with actual payroll data
Cons
- No offline mode
- No scenario saving or comparison
- No budgeting tools
- No export options
- App requires ADP employer
- Web calculator has ads
Best for: Employees whose companies use ADP payroll, quick web-based estimates.
When to Use Each Calculator
Choose Pay44 if you:
- Need offline access (works without internet)
- Are comparing job offers (normalized side-by-side comparison)
- Want to compare hourly vs salary positions on equal footing
- Need to build a monthly budget with visual charts
- Want to test "what if" scenarios (raises, new jobs, different states)
- Need to save and export results (PDF, CSV, Text, Grid)
- Prefer not to create an account
Choose ADP if you:
- Your employer uses ADP payroll (access actual pay stubs, not estimates)
- Need to view your W-2s and tax documents
- Prefer a web-based calculator over a mobile app
- Need local/city tax support for your area
- Want to manage direct deposit settings
Frequently Asked Questions
References
- Pay44 Paycheck Calculator. Mobile app with 2026 tax tables, all 50 states, and offline support.
- ADP Salary Paycheck Calculator. Web tool for federal and state tax estimation.
- ADP Hourly Paycheck Calculator. Web tool for hourly wages with multiple rate support.
- ADP Mobile Solutions. iOS app for payroll viewing and mobile access.