body {
font-family: ‘Segoe UI’, Tahoma, Geneva, Verdana, sans-serif;
line-height: 1.6;
background-color: #f8f9fa;
color: #333;
margin: 0;
padding: 20px;
}
.loan-calc-container {
max-width: 700px;
margin: 30px auto;
background-color: #ffffff;
padding: 30px;
border-radius: 8px;
box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
border: 1px solid #dee2e6;
}
h1, h2 {
color: #004a99;
text-align: center;
margin-bottom: 20px;
}
.input-group {
margin-bottom: 20px;
display: flex;
flex-direction: column;
align-items: flex-start;
}
.input-group label {
display: block;
margin-bottom: 8px;
font-weight: 600;
color: #004a99;
}
.input-group input[type=”number”],
.input-group input[type=”text”] {
width: 100%;
padding: 10px 12px;
border: 1px solid #ced4da;
border-radius: 4px;
box-sizing: border-box;
font-size: 1rem;
}
.input-group input[type=”number”]:focus,
.input-group input[type=”text”]:focus {
border-color: #004a99;
outline: none;
box-shadow: 0 0 0 2px rgba(0, 74, 153, 0.2);
}
button {
width: 100%;
padding: 12px 20px;
background-color: #004a99;
color: white;
border: none;
border-radius: 4px;
font-size: 1.1rem;
font-weight: 600;
cursor: pointer;
transition: background-color 0.3s ease;
margin-top: 10px;
}
button:hover {
background-color: #003366;
}
#result {
margin-top: 30px;
padding: 25px;
background-color: #e9ecef;
border: 1px solid #ced4da;
border-radius: 4px;
text-align: center;
}
#result h3 {
margin-top: 0;
color: #004a99;
font-size: 1.4rem;
margin-bottom: 15px;
}
#result-value {
font-size: 2.5rem;
font-weight: bold;
color: #28a745;
}
.explanation {
margin-top: 40px;
padding: 30px;
background-color: #ffffff;
border-radius: 8px;
box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
border: 1px solid #dee2e6;
}
.explanation h2 {
text-align: left;
margin-bottom: 15px;
}
.explanation p, .explanation ul {
margin-bottom: 15px;
color: #555;
}
.explanation li {
margin-bottom: 10px;
}
.explanation code {
background-color: #e9ecef;
padding: 2px 6px;
border-radius: 3px;
font-family: Consolas, Monaco, ‘Andale Mono’, ‘Ubuntu Mono’, monospace;
}
/* Responsive adjustments */
@media (max-width: 600px) {
.loan-calc-container {
padding: 20px;
margin: 20px auto;
}
button, #result-value {
font-size: 1rem;
}
#result-value {
font-size: 2rem;
}
.explanation {
padding: 20px;
}
}
Check Stub Detail Calculator
Calculate the net pay from your gross earnings after deducting taxes and other withholdings.
Your Net Pay
Understanding Your Check Stub and Net Pay
A check stub, also known as a payslip or earnings statement, is a document provided by an employer that details an employee’s gross pay, taxes, and other deductions, ultimately showing the net pay received.
Understanding the components of your check stub is crucial for managing your personal finances. It helps you verify the accuracy of your pay and comprehend where your money is going before it reaches your bank account.
Key Components Explained:
- Gross Pay: This is the total amount of money you have earned before any taxes or deductions are taken out. It’s usually calculated based on your hourly wage multiplied by the hours worked, or your salary.
- Taxes Withheld: These are mandatory deductions required by federal, state, and local governments. They typically include:
- Federal Income Tax: Varies based on your income level, filing status, and the number of allowances you claim.
- State Income Tax: Applies in most states, with rates and rules varying significantly by location.
- FICA Taxes: Stands for the Federal Insurance Contributions Act. This covers Social Security (6.2% up to a certain income limit) and Medicare (1.45% with no income limit). Your employer matches these contributions.
- Other Deductions: These are voluntary or mandatory withholdings that are not taxes. Common examples include:
- Health insurance premiums
- Retirement contributions (e.g., 401(k), pension plans)
- Union dues
- Garnishment orders (e.g., child support, loan repayments)
- Net Pay: Also known as take-home pay, this is the amount of money you actually receive after all taxes and deductions have been subtracted from your gross pay.
The Calculation
The calculation for net pay is straightforward:
Net Pay = Gross Pay - (Federal Tax Withheld + State Tax Withheld + FICA Taxes + Other Deductions)
Our calculator simplifies this by asking for each of these values directly. Simply input your gross earnings and the amounts for each specific tax and deduction category shown on your stub, and the calculator will compute your net pay.
Why Use This Calculator?
- Verify Accuracy: Ensure your employer has calculated your pay and deductions correctly.
- Budgeting: Understand precisely how much disposable income you have after all mandatory and voluntary withholdings.
- Financial Planning: Project your take-home pay for future financial decisions.
By using this Check Stub Detail Calculator, you gain clearer insight into your earnings and can make more informed financial choices.
function calculateNetPay() {
var grossPay = parseFloat(document.getElementById(“grossPay”).value);
var federalTax = parseFloat(document.getElementById(“federalTax”).value);
var stateTax = parseFloat(document.getElementById(“stateTax”).value);
var ficaTaxes = parseFloat(document.getElementById(“ficaTaxes”).value);
var otherDeductions = parseFloat(document.getElementById(“otherDeductions”).value);
var resultValue = document.getElementById(“result-value”);
var result = document.getElementById(“result”);
if (isNaN(grossPay) || isNaN(federalTax) || isNaN(stateTax) || isNaN(ficaTaxes) || isNaN(otherDeductions)) {
resultValue.textContent = “Invalid Input”;
resultValue.style.color = “#dc3545”; // Red for error
return;
}
var totalDeductions = federalTax + stateTax + ficaTaxes + otherDeductions;
var netPay = grossPay – totalDeductions;
if (netPay < 0) {
netPay = 0; // Net pay cannot realistically be negative in this context
}
resultValue.textContent = "$" + netPay.toFixed(2);
resultValue.style.color = "#28a745"; // Success green
}