How does NumStack calculate AI token costs?

NumStack uses real published pricing from OpenAI, Anthropic, Google, and other AI providers. Enter your typical usage (input tokens, output tokens, requests per day) to see projected monthly costs across all models.

Why do different AI models have different token prices?

Different models have different computational costs. Smaller models like GPT-4o mini or Haiku are cheaper but less capable. Larger models like GPT-4o or Claude Sonnet are more powerful but cost more per token.

How can I reduce my AI API costs?

Use smaller models for simple tasks, cache repeated prompts, trim output length (output tokens cost 3-5x more than input), and batch requests instead of real-time when latency allows.

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Paycheck Calculator

See exactly how much you'll take home after taxes.

Annual Salary

Monthly: $4,167

State

Pre-tax Deductions (401k, Health Ins, etc.)

YOUR ANNUAL TAKE-HOME

$35,525

Monthly

$2,960

Bi-weekly

$1,366

Weekly

$683

Tax Breakdown

Gross Salary$50,000

Federal Income Tax (12%)-$6,000

FICA (Social Security + Medicare)-$3,825

State Income Tax (CA) (9.30%)-$4,650

Total Taxes$14,475

Effective Tax Rate28.9%

💡 Disclaimer: This calculator provides estimates for educational purposes. Tax situations vary widely based on filing status, dependents, credits, and deductions. Consult a tax professional for accuracy.

📊 Updated: May 6, 2026 · Covers 2026 federal and state tax brackets

Heads up: This tool gives a quick estimate for planning purposes only. It is not tax advice, and it is not a substitute for a real paycheck calculation from your employer's payroll system or a tax professional.

How this calculator works

This calculator applies a single effective federal tax rate based on which income bracket your gross salary falls into (the rate increases in steps as salary rises), rather than computing tax bracket-by-bracket the way the actual IRS formula does — so treat the federal tax line as a simplified approximation, not an exact calculation. It adds FICA (Social Security and Medicare) at a flat 7.65% of gross pay, and a flat state income tax rate looked up for the state you select — nine states included here have no state income tax at all.

Any pre-tax deductions you enter (401k contributions, health insurance premiums, and similar) are subtracted from your take-home pay in the final total, alongside your combined federal, FICA, and state tax. Take-home pay is then divided into monthly, bi-weekly, and weekly figures using standard pay-period counts (12, 26, and 52 respectively) so you can see the number that matches how you actually get paid.

Take-home pay

federalTax = grossSalary × bracketRate (single flat rate for your income bracket)

ficaTax = grossSalary × 7.65%

stateTax = grossSalary × stateRate

takeHome = grossSalary − federalTax − ficaTax − stateTax − deductions

How to use it

1.Enter your annual gross salary before any taxes or deductions.
2.Select your state — the calculator applies that state's flat income tax rate.
3.Enter any pre-tax deductions you have (401k, health insurance, HSA, etc.) if you want them reflected.
4.Review your estimated annual, monthly, bi-weekly, and weekly take-home pay, plus the tax breakdown below it.

Common mistakes

⚠Treating the federal tax line as exact — this calculator uses one flat rate per income bracket rather than the IRS's true bracket-by-bracket calculation, so your real federal withholding will differ, sometimes by a meaningful amount.
⚠Forgetting filing status and dependents — this tool does not ask about filing status, dependents, or credits — all of which change your actual tax bill significantly. It's a single-income, no-dependents approximation.
⚠Ignoring local or city taxes — some cities and counties levy their own income tax on top of state and federal — those are not included here, so residents of those areas will see a lower number than their real take-home pay.
⚠Comparing job offers without adjusting for benefits — take-home pay alone doesn't capture employer 401k match, health insurance quality, or other benefits that meaningfully change total compensation — use this as one input among several.

Frequently asked questions

Is this an exact paycheck calculation?▾

No — it's a simplified estimate. It uses one flat federal rate per income bracket instead of the IRS's bracket-by-bracket method, and doesn't account for filing status, dependents, or tax credits. Use it to get a ballpark figure, not your exact paycheck amount.

Does this include 401k or health insurance deductions?▾

You can enter a pre-tax deductions amount, which is subtracted from your take-home pay total. For a fully accurate paycheck, your employer's payroll system will apply your specific benefit elections correctly.

Why do some states show $0 state tax?▾

Several U.S. states do not levy a state income tax at all. For those states, the calculator correctly shows $0 for that line — it isn't missing data.

Does this account for overtime, bonuses, or variable pay?▾

No — it assumes a flat annual salary. If your income varies significantly month to month, use your average expected annual total for a rough estimate, or check your pay stub for period-specific numbers.

Is this tax advice?▾

No. This tool is for general planning and education only. For decisions that depend on getting your tax situation exactly right, consult a licensed tax professional or use official payroll software.