Know Your Benefits: Take-Home Pay & Health Plan Calculator (2026)

Open enrollment, decoded. Drop in your employer's benefits guide PDF and see exactly what each choice does to your paycheck.

Take-home pay per paycheck, month and year: 2026 federal brackets, Social Security and Medicare, and state tax for all 50 states + DC

Compare up to 3 health plans at low, medium and high use, with your HDHP vs PPO break-even

HSA, health FSA and dependent care FSA with the new 2026 limits ($4,400 / $8,750 HSA, $3,400 FSA, $7,500 DCFSA)

401(k) match check: see if you're leaving free money behind (2026 limit $24,500, catch-ups included)

Personalized strategies with a dollar amount on each

Benefits-PDF auto-fill: premiums, deductibles, out-of-pocket max, HSA money and match are found and shown for you to confirm

Private: runs in your browser. Your PDF is never uploaded. No account.

Printable one-page summary, light and dark mode

What you get: KnowYourBenefits.html (opens in any browser), a sample benefits guide to try, and a quick-start guide.

Estimates, not tax advice. Try the free Lite version first: https://kyb-steadystub.netlify.app/app/

Launch price: code LAUNCH25 takes 25% off.