Salary take-home
Enter a salary, get your real paycheck. Federal tax bracket by bracket, state income tax, Social Security up to the wage base, Medicare, and the Additional Medicare threshold. Pre-tax deductions in dollars or percent.
iPhone and Android · Free, with a one-time Pro unlock
See what you actually keep.
Private calculators for take-home pay, debt payoff, savings, mortgages, job offers and a monthly budget. Every number runs on your device.
Coming to theApp Store
Coming toGoogle Play
Coming soon
Nine tools. Seven free; SalaCal Pro is one purchase, no subscription. No accounts, no ads, no tracking.
The free tools
The answer right at your fingertips.
Seven tools, free. Each one works as a throwaway calculator — nothing is saved unless you tap Save — and what you do save flows into one Plan Overview.
Debt payoff
Everything you owe in one place — the total, the average rate, what the interest costs you each month. Pick Snowball or Avalanche and see the payoff order spelled out debt by debt: what to pay now, when each one clears, and what it costs. Both strategies compared against paying minimums alone.
Savings goals
Set a target, a horizon and an expected return; SalaCal solves for the monthly contribution that actually gets you there, and shows it as a share of your take-home.
Mortgage
Price, down payment, rate and term, plus property tax, insurance and HOA. Shows the true monthly payment with PMI applied under 20% down, lifetime interest, and a balance-versus-equity curve.
Offer Compare
Two offers side by side on real take-home rather than headline salary — base, bonus, 401(k) match and state. Full breakdown for each, plus the annual and monthly difference.
Hourly ⇄ Salary
Convert an hourly wage into an annual salary and back again, using your own hours per week and weeks per year, with monthly and weekly equivalents.
Compound interest
Project a balance from a starting principal, monthly contributions, an annual return and a compounding frequency. Splits the result into contributions versus growth.
And tying them together
The Plan Overview pulls your saved income, debt and savings into one dashboard — where every take-home dollar goes, your debt-service and debt-to-income ratios, your debt-free date — and a read-only tax-table reference shows the arithmetic behind every answer. Both free.
Screens
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Salary result — donut, line-by-line breakdown, effective rate.
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Debt payoff — the date, the comparison, and the order to pay in.
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Budget (Pro) — where the pay goes, 50/30/20, what a trim is worth.
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Plan Overview — every saved plan on one dashboard.
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Mortgage — payment split, lifetime interest, equity curve.
Tax data
All of it ships inside the app.
This is the substance behind the offline claim: there is nothing to fetch, because it is already there.
Tax years
2021–2026
Six years of federal brackets and standard deductions.
Filing statuses
4
Single, married filing jointly, married filing separately, head of household.
States
50 + DC
Including the nine with no state income tax.
Pay frequencies
4
Weekly, biweekly, semi-monthly, monthly.
What it computes
- Federal income tax, bracket by bracket
- State income tax
- Social Security, up to the annual wage base
- Medicare, plus Additional Medicare above the filing-status threshold
- Pre-tax deductions: 401(k), health, dental and vision, HSA and FSA, life, disability, other — as a dollar amount or a percentage of gross
- Effective rate, annual net, and net per pay period
What it doesn't model
- Itemized deductions and tax credits
- Local and city taxes
- Multi-state situations
- State tax is applied as a simplified flat rate
Real returns will differ. SalaCal is an estimate, and says so wherever it matters.
Boundaries
What SalaCal deliberately doesn't do.
Being clear about the boundaries is part of the product.
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No bank connections
No account linking, no spending feeds, no categorizing past purchases. That would require exactly the data collection the app is built to avoid.
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No advice
SalaCal shows math, not recommendations. It isn't a substitute for a professional.
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It doesn't file your taxes
It estimates them, using published federal brackets and the standard deduction with a simplified flat state rate. Itemized deductions, credits, local taxes and multi-state situations aren't modeled, so a real return will differ.
SalaCal Pro
Pay once, own it.
One purchase unlocks the rest of the toolkit. No subscription, no account, nothing recurring — and everything still stays on your phone. The purchase itself goes through Apple or Google; SalaCal only ever sees that it happened.
Introductory price
$9.99
then $19.99
Restore on any device
One purchase at the launch price, and it stays yours — the rise applies to new purchases, never to one you have already made.
Monthly budgetPro
Plan expenses by category, on the schedule bills actually arrive — weekly, monthly, twice a year. See where your pay goes once debt payments and savings are taken out, what is genuinely left, a 50/30/20 check with the debt minimums counted where they belong, and what trimming one category would do to your debt-free date.
Dividend plannerPro
Project dividend-growth investing with DRIP compounding — dividend and price growth, contributions, and the year the income stream can stand on its own. Finds the stake that makes a position self-sustaining.
Spreadsheet & PDF exportPro
Your whole plan as a formatted workbook — a sheet per tool, with the debt payoff order, the budget split and the month-by-month schedules — or as a designed, printable PDF report. Ready to send to a partner or an advisor.
Vintage Riso themesPro
The hand-built cream-and-vermillion look, in light and dark. Auto, Light and Dark stay free for everyone — and you can try this one right here: tap Riso in the header.
The part that doesn't change
Free or Pro: no accounts, no ads, no analytics, and the app makes no network requests of its own. The purchase is handled by the App Store or Google Play, and restoring it on a new phone is one tap.