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Clock It Reality More Cents · Income Impact Calculator

See What Extra Income Actually Adds to Your Pay

More Cents answers one question in plain English: how much of your extra income will you actually keep after simplified taxes?

Raise Impact Overtime Math Bonus Reality Privacy First
How It Works
①

Enter Current Income

Add your annual income, state, and filing status.

②

Choose Extra Income

Test a raise, overtime, bonus, or side income amount.

③

See What You Keep

Compare the gross extra dollars with the estimated net result.

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What’s Included

  • Estimated keep from extra income
  • Federal tax effect on the extra dollars
  • Payroll or self-employment tax impact
  • Simplified state tax effect
  • Per-paycheck or monthly view
  • Plain-English More Cents summary
Calculator

Enter Your Income Scenario

Start with your current annual income, then test the extra income you want to compare.

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Your information is private and never stored.

Results

Your Extra Income Estimate

See how much of the extra income may actually be left after estimated federal, payroll, and state taxes.

You Keep Estimated
$0
Per Pay Period $0
Keep Rate 0%

Your More Cents estimate appears here after you calculate.

Remember

Extra income still helps — but the gross headline number is not the same as what you finally keep.

This tool gives a simplified estimate so you can compare options faster before making decisions about raises, overtime, bonuses, or side work.

Extra Income Breakdown

Annual estimate

Current Annual Income$0
Extra Income Tested$0
Estimated Federal Tax on Extra Income$0
Payroll Tax on Extra Income$0
Estimated State Tax on Extra Income$0
Total Estimated Tax on Extra Income$0
Estimated Keep From Extra Income$0

Reality Check

Use the calculator to compare the gross extra dollars with what may actually remain after simplified taxes.

More Cents Note

This tool explains the impact of extra income in plain English and uses a simplified state tax estimate based on the state you choose.

①

Enter Your Starting Income

Add your current annual income, state, filing status, and dependents.

②

Test an Extra Income Scenario

Compare a raise, overtime, bonus, or side income amount.

③

Estimate the Tax Drag

Apply simplified federal, payroll, and state tax effects to the extra dollars.

④

See What You Actually Keep

Turn a gross extra-income number into a more realistic after-tax estimate.

FAQ

Frequently Asked Questions

Clear answers about raises, overtime, bonuses, side income, and what More Cents is estimating.

What is More Cents used for?

More Cents is a simplified extra income impact calculator. It helps you estimate how much of additional income you may actually keep after federal, payroll, and state taxes.

Why do I not keep all of a raise or bonus?

Extra income sits on top of the money you already earn. That means the additional dollars can trigger more federal income tax, payroll tax, and state tax than people expect.

Are bonuses taxed differently?

Paycheck withholding on a bonus can look different from a normal paycheck, but your final tax result still depends on your full annual income. More Cents focuses on that annual effect.

Does overtime use a different tax bracket?

Overtime itself does not create a special overtime tax rate. It simply adds more taxable income on top of what you already earn, which can increase withholding and total tax.

What about side income or freelancing?

Side income often creates self-employment tax in addition to income tax. More Cents includes a simplified self-employment tax estimate to show why side income can feel smaller than expected.

Does this include state taxes?

Yes. More Cents includes a simplified state tax estimate based on the state you select, alongside federal and payroll tax effects.

Can I compare a raise, bonus, and side gig?

Yes. Change the Extra Income Type and rerun the calculator to compare how different income types may change what you actually keep.