01
Name the payroll.
Pick a pay period (biweekly, semimonthly, weekly — eight in total) and set the employer-side SUTA rate with its wage-base cap. FUTA defaults to 0.006; override if your state credit differs.
Folio 001 · Run no. 2026-04-19 Posted · 26 pay periods / yr · Biweekly
Paycheck & Payroll, one ledger
Every paycheck. Every payroll.
Payroll Calculator runs a single paycheck for yourself — or a full multi-employee payroll with federal, state, FICA, plus employer SUTA and FUTA. Decimal math. No floating-point rounding. Same screen for your paycheck and for the team.
50+DC
States
8
Pay periods
24
Themes
39
Languages
01 · One screen, two audiences
Your paycheck. Their payroll.
The calculator works for the employee modeling her own paycheck and the bookkeeper running a ten-person payroll — it's the same screen. Add one employee, or add twenty. Everything scales the same way.
A · The employee
Model your take-home.
State, filing status, W-4, overtime, deductions, and four buckets of additional income. Your breakdown updates live as you change a single field.
- All 50 US states + DC
- Post-2020 and legacy W-4 modes
- YTD FICA for mid-year accuracy
- Flat-percentage mode for non-US users
B · The employer
Run the whole payroll.
Every employee stays independent. The payroll layer adds SUTA, FUTA, and free-form employer costs — you see total employer cost alongside each person's net.
- SUTA rate + wage-base cap per payroll
- FUTA override when credits differ
- Per-employee YTD FUTA / SUTA
- Free-form employer cost line items
02 · Every tax, itemized
The ledger, fully posted.
Both sides of the payroll, line by line — the same itemization you get from real payroll software, on the device already in your pocket.
Acme Studio — run 07
Four employees · CA · NY · TX · WABiweekly · 26 / yr
A · Employee side
Gross incomeSalary + hourly + OT
10,904.52
Taxable additional incomeTips · Bonus · Other
640.00
Pre-tax deductions401(k) · HSA · FSA
− 812.00
Federal taxProgressive · W-4 driven
− 1,046.39
State taxCA · NY · WA · TX
− 412.73
State-specialCA SDI · NY PFL
− 58.14
Social SecurityWage-base capped
− 636.07
MedicareBase + surtax
− 148.79
Post-tax deductionsRoth · Garnishments
− 333.80
Employee net paid
8,957.60
B · Employer side
Employer FICA matchSS + Medicare
− 654.25
SUTA2.7% · wage base $7,000
− 230.91
FUTA0.6% default · overridable
− 51.31
Workers' compEmployer line item
− 78.40
Health contributionEmployer line item
− 320.00
YTD FUTA eligibleCapped mid-year
2 of 4
YTD SUTA eligibleCapped mid-year
3 of 4
Gross payrollBefore employer cost
10,904.52
Employer burdenBeyond employee gross
+ 1,334.87
Total employer cost
12,239.39
03 · The loop
Three entries. That's the whole flow.
02
Add the employees.
Each person has their own state, filing status, W-4 entries, income mode, overtime, four deduction buckets, and exemptions. YTD FICA / FUTA / SUTA keep wage-base caps honest mid-year.
03
Read the totals.
A single totals card combines gross, taxes, net paid, and total employer cost. Tap through for a full per-employee breakdown — every line itemized, nothing hidden behind averages.
04 · Everything in the box
Built like payroll software. Priced like an app.
SCEN · 01
Multiple payrolls, side by side.
Keep a personal paycheck next to the team payroll, or run “Offer from Acme” beside your current role. Each payroll is a full set — period, employer settings, employees. Switch from the app-bar icon.
Acme Studio · Biweekly
4 emp · $8,957.60 net
My paycheck · Semimonthly
1 emp · $2,204.18 net
Offer from Loupe · Salary 112k
1 emp · $3,218.44 net
FED · 02
Full W-4. Post-2020 and legacy.
Step 2(c) two-jobs checkbox, Step 3 qualifying-children and other-dependents credits, Step 4(c) extra withholding per period. Flip to legacy allowances when that's what your workplace still runs.
2(c) Two jobs 3 · 2 kids 3 · 1 dep 4(c) $50/pp Legacy · 2 allow.
PERIOD · 03
Eight cadences.
From daily (365) to yearly (1). Set it once at the payroll level; every employee gets the same cadence and the same period boundaries.
365Daily
52Weekly
26Biwk.
24Semi
12Month
4Qtr
2Semi-y.
1Year
DED · 04
Four buckets. Every type.
Retirement, health, garnishments, and a custom “other” type with full override flags (pre-tax vs. post-tax, FICA-exempt, % base).
Trad 401(k) PRE
Roth 401(k) POST
403(b) · 457(b) PRE
SIMPLE IRA PRE
HSA PRE
Health FSA PRE
Dep. Care FSA PRE
Child support POST
IRS levy POST
Creditor garn. POST
YTD · 05
Mid-year truth.
Record YTD FICA, FUTA, and SUTA taxable earnings per employee — wage-base caps truncate correctly instead of over-withholding late in the year.
FICA$62.4k
SUTA$6.44k
FUTA$7.00k
MATH · 06
Decimal library. No floating-point rounding.
Every tax, deduction, and cap is computed with
Decimal — the same approach payroll providers use. What the engine posts is what shows.Double × 0.062$ 190.7400000001
Decimal × 0.062$ 190.74
26 periods · $3,077$ 80,002.00
NON-US · 07
Flat-percentage mode for anywhere.
A secondary tax mode — net = gross × (1 − reduction%) — for users outside the US. W-4, state, filing status, and US-only deductions go away when you're in this mode.
28%
Effective reduction
· Your net: 2,215.44
· From gross: 3,077.00
· Your net: 2,215.44
· From gross: 3,077.00
REACH · 08
39 locales. One calculator that speaks to everyone you pay.
Shipped in English plus 38 translations — Spanish, Portuguese, French, German, Japanese, Korean, Mandarin, Hindi, Arabic, Vietnamese, Tagalog, and 27 more. The tax engine stays US; the interface meets people where they are.
05 · On your phone
See it in motion.
Ten screens from the app — the payroll home, per-employee edits, employer taxes, YTD, pay-period picker, and a look at the theme gallery.
06 · The 24 themes
24 hand-built themes
Cove, Depths, and Dune are free. The other twenty-one — Mesa, Midnight, Ember, Gilded, Cobalt, Neon, Paper, Rose, Velvet, Bloom, Storm, Mint, Forest, and more — unlock with premium. The whole app shifts, not just the accent.
Cove
Depths
Dune
Mesa
Daylight
Midnight
Coral
Ember
Blaze
Spark
Gilded
Golden
Cobalt
Navy
Neon
Cyber
Paper
Ink
Rose
Velvet
Bloom
Storm
Mint
Forest
07 · Closing entry
Get notified when the ledger opens.
Payroll Calculator ships soon to iOS and Android. One download; one screen; your paycheck and theirs. Decimal-precise, 39 locales, 24 themes.