Know Your Benefits — Summary
See what your paycheck really is.
Enter your salary and benefits — or drop in your benefits guide — to see your take-home pay, compare health plans side by side, and find money you're leaving on the table.
Drop your benefits guide PDF
or click to choose a file. We'll pull out premiums, deductibles, and your 401(k) match.
1Your pay
Use your annual salary, or your hourly rate and typical hours.
2Taxes
2026 federal brackets, Social Security & Medicare, and your state's income tax.
3Retirement
Your 401(k) or 403(b) contribution and your employer's match formula.
4Health plans
Lite compares 1 plan — the Full version compares up to 3. Premiums are what you pay per paycheck. Select the one you're enrolled in.
5Spending accounts & other deductions
Yearly amounts you elect from your paycheck.
Plan comparison
Expected yearly cost = premiums + what you'd pay for care − employer HSA money.
Usage levels assume about $600 (low), $4,000 (medium) or $20,000 (high) in covered medical bills a year, run through each plan's deductible, coinsurance and out-of-pocket max. Copays are simplified.
Strategies for you
Personalized from your numbers. Dollar amounts are estimated yearly impact.
Disclaimer: estimates, not tax advice. Uses 2026 IRS figures (Rev. Proc. 2025-32, Rev. Proc. 2025-19, IRS Notice 2025-67) and simplified state tax tables. Local/city taxes, itemized deductions, most credits, and plan-specific rules aren't modeled. Confirm with your HR team or a tax professional before making elections.