Updated for 2026 open enrollment
See what your paycheck
really is.
Enter your salary and benefits, or drop in your benefits guide PDF. See your take-home pay, compare health plans side by side, and find money you're leaving on the table.
How it works
1 · Drop your benefits guide
Drag in the PDF your employer sent. Premiums, deductibles, out-of-pocket max, HSA money and your 401(k) match are pulled out and shown to you to confirm.
2 · Add your pay & state
Salary or hourly, pay frequency, filing status and state. 2026 federal, FICA and state tax are calculated live.
3 · Compare & decide
See per-paycheck take-home, each plan's true yearly cost at low, medium and high use, and personalized strategies with a dollar amount on each.
Privacy promise
🔒 Your benefits PDF never leaves your device. It's read by your own browser. No account, no upload, no tracking of your numbers. Close the tab and it's gone.
Pricing
Full
one-time · use code LAUNCH25
Compare 3 plans, PDF auto-fill, HDHP vs PPO break-even, every strategy, print summary, works offline.
Buy FullMoney Bundle
Full + 1099 Quarterly Tax Tracker + Pay Yourself a Salary Kit (Sheets/Excel).
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FAQ
Is Know Your Benefits free?
Yes. The Lite version is free in your browser: take-home pay for all 50 states plus one health plan. The Full version ($19 one-time) adds 3-plan comparison, benefits-PDF auto-fill, all strategies and a printable summary.
Does my benefits PDF get uploaded?
No. The PDF is read inside your browser on your own device. Nothing is sent to a server, and there is no account or login.
What 2026 figures does it use?
2026 federal brackets and standard deduction ($16,100 single / $32,200 married), Social Security wage base $184,500, 401(k) limit $24,500 (+$8,000 catch-up at 50, $11,250 at ages 60–63), HSA $4,400 self / $8,750 family, health FSA $3,400 ($680 carryover), dependent care FSA $7,500 and the $2,200 Child Tax Credit.
Which states are supported?
All 50 states plus DC, using simplified 2026 state income tax tables. City and county taxes (e.g., NYC, Maryland counties) are not included.
Can my company share it with employees?
Yes. Employers, HR teams and benefits brokers can get a free co-branded version or a company license. See the For Employers page.
Is this tax advice?
No. It gives estimates to help you compare options. Confirm elections with HR or a tax professional.
New to open enrollment? Start with how to compare health plans.