About StubRate

StubRate is a take-home pay calculator for U.S. job offers. Gross salary is what an employer advertises. StubRate estimates what tends to remain after federal tax, a simplified state tax, Social Security, Medicare, typical benefits, and optional commute costs.

We built it because offer letters skip the expensive part: showing up. Two jobs with the same salary can leave very different amounts in a checking account once state tax and office days are counted.

How the estimates work

Federal income tax uses simplified 2025-style brackets and the standard deduction for single or married filing jointly. State tax uses an educational effective rate by state—not a full state return. FICA is 7.65% of most wages (Social Security wage base applied). Traditional 401(k) deferrals lower income tax but still face FICA. Typical employer health premiums are treated as pre-tax.

Optional job costs (fuel, parking, transit, lunches, other) are subtracted from cash take-home when you enter them. Commute time is tracked as context; it is not subtracted from the cash figure.

What StubRate is not

This is not payroll software, a tax filing product, or personal advice. It does not model every local wage tax, additional Medicare tax, itemized deductions, equity, or bonus withholding. If a decision is large—moving states, signing an offer, quitting—confirm numbers with an employer sample paycheck or a tax professional.

Your numbers

Calculator fields are processed in your browser for that session. You do not need an account. We do not ask for your name or Social Security number.

Who it is for

People comparing offers, relocating, negotiating a raise, or converting hourly pay into a monthly budget. State pages exist so you can see the same salary under different tax systems. Guides explain the ideas behind the tool in plain language.

How the site stays online

StubRate is meant to be used without paying. If advertising is added later, it will be marked as such. We do not sell your calculator inputs as a mailing list.

Contact

StubRate does not offer email support. See the Privacy Policy and Terms for how the site works.