Paycheck Guides Guides

Plain-English explainers on paychecks, taxes, saving, debt and retirement in the U.S. — 57 guides and growing every day.

All Career & Income (1) Credit (2) Everyday Money (1) Loans & Debt (3) Mortgages & Housing (5) Paycheck (3) Paycheck Basics (4) Paycheck Guides (16) Retirement (3) Saving & Budgeting (3) Saving & Investing (5) State Taxes (2) Tax Forms (1) Taxes (8)

First Paycheck Guide: What to Expect

What to expect from your first paycheck — why it's smaller than you think, when it arrives, and how to read every line item.

Paycheck Guides

How Garnishments and Child Support Affect Your Paycheck

How wage garnishments and child support withholding work, the federal limits on how much can be taken, and how they show up on your pay stub.

Paycheck Guides

HSA vs FSA: Which Saves You More on Your Paycheck?

HSA and FSA both reduce your taxable income, but they work very differently. A full 2026 comparison of limits, eligibility, and rollover rules.

Paycheck Guides

How to Increase Your Take-Home Pay Legally in 2026

Practical, legal ways to increase your paycheck without a raise — W-4 adjustments, pre-tax accounts, and tax credits explained.

Paycheck Guides

New Job Paycheck Checklist: First 30 Days

A step-by-step checklist for getting your paycheck setup right in your first 30 days at a new job — W-4, benefits, direct deposit, and more.

Paycheck Guides

Paycheck Calculators by City: Take-Home Pay in 53 U.S. Cities (2026)

Compare take-home pay in 53 U.S. cities and open a city paycheck calculator.

Paycheck Guides

Overtime Pay Rules and Taxes: Who Gets It and How It Is Paid (2026)

Who qualifies for overtime, how it is calculated and how it is taxed.

Paycheck Guides

Your First Paycheck at a New Job: What to Expect and How to Check It

Timing, forms and common surprises on your first paycheck.

Paycheck Guides

Wage Garnishment: Limits, Types and How It Changes Your Paycheck

Federal limits on wage garnishment and how deductions are calculated.

Paycheck Guides

Are Unemployment Benefits Taxable? Federal and State Tax Guide

How unemployment benefits are taxed, how to withhold and what to expect on Form 1099-G.

Paycheck Guides

How Long Does a State Tax Refund Take? Timelines and Tips

Typical refund timelines and what slows a state refund down.

Paycheck Guides

Social Security and Medicare Tax on Your Paycheck: How FICA Works (2026)

Understand the FICA line on your pay stub, the 2026 wage base and when the tax stops.

Paycheck Guides

Pre-Tax vs Post-Tax Paycheck Deductions: What Each Does to Your Pay

Know which deductions lower your taxable wages and which come out after tax.

Paycheck Guides

W-2 vs 1099: How Take-Home Pay Really Compares (2026)

Why a 1099 rate must be much higher than a W-2 salary to leave the same take-home pay.

Paycheck Guides

FSA vs HSA: How Each Changes Your Paycheck (2026 Guide)

How FSA and HSA contributions lower taxable pay and which account fits you.

Paycheck Guides

How to Calculate Take-Home Pay by Hand: Step-by-Step Formula (2026)

Learn the formula behind every paycheck and check your stub yourself.

Paycheck Guides