AI-powered paycheck reader
Pay stub analyzer, free
Upload any pay stub. AI extracts gross, net, every tax, and every deduction — plus your effective tax rate, 401(k) rate, and annual take-home projection.
How it works
Upload, read, understand
No spreadsheet. No manual entry. Just the numbers, broken down.
Upload your pay stub
PDF export from your payroll portal, or a phone photo of a printed stub. Any US employer, any payroll system.
AI reads every line
Extracts gross, net, hours worked, all taxes and deductions — including YTD totals when shown. Handles messy layouts and small print.
See the full breakdown
Effective tax rate, pre-tax and post-tax deductions broken out, 401(k) contribution as % of gross, annual take-home projection, and flags for anything off.
What you see
Every number on your pay stub, clearly explained
The AI doesn't just OCR the stub — it calculates the ratios that actually matter.
Every tax, broken out
Federal, state, Social Security, Medicare, local, SDI, SUI — all listed with this-period and year-to-date amounts.
Effective tax rate
The real percentage of your paycheck going to taxes. Compare against typical US averages by income band.
Annual take-home projection
Based on detected pay frequency. Shows what you'll net per year at this pace — great for budgeting or big-purchase decisions.
401(k) contribution as % of gross
Instantly see whether you're leaving employer match on the table.
Pre-tax vs post-tax deductions
Health insurance, HSA, FSA, 401(k), Roth — separated so you know what's reducing taxable income and what's not.
Unusual pattern flags
AI calls out anomalies — overtime dominating gross, missing federal withholding, unusually high effective tax rate. Only real observations.
Who this is for
Real reasons people read their pay stubs
First-job paycheck reality check
Your offer was $X/year. Why is your paycheck $Y? The analyzer shows exactly what's being withheld and why.
W-4 tuning
If federal withholding looks too high or too low, adjust your W-4 before tax day surprises you.
Health-plan open enrollment
See exactly what health insurance, HSA, and FSA are costing per paycheck versus their tax benefit.
New state, new job comparison
Upload a pre-move and post-move stub to see the real tax impact of moving from California to Texas (or the reverse).
Pre-mortgage prep
Lenders often ask for two recent pay stubs. Run yours through the analyzer first so you know what a lender will see.
Tax prep gut-check
In December, compare YTD withholding against your expected tax bill. Adjust W-4 for the last pay cycle if you're underpaying.
More than just categories
Real financial clarity from your bank statement.
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments, including charges you may not recognize at first glance.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments, including charges you may not recognize at first glance.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. See the pattern behind the suggestion and its estimated monthly impact, not vague budgeting advice.
- Ranks changes by potential monthly impact
- Names the transaction pattern behind each tip
- Gives you a concrete next action to review
Potential monthly savings
$227/mo
Potential monthly savings
$227/mo
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. See the pattern behind the suggestion and its estimated monthly impact, not vague budgeting advice.
- Ranks changes by potential monthly impact
- Names the transaction pattern behind each tip
- Gives you a concrete next action to review
Analyze your own statement
Upload a PDF, get your full report in 30 seconds.
Statement analyzer pricing
Pro
For heavy files and repeat work
- 200 PDF pages per month
- Unlimited visible transactions per report
- Subscription and recurring charge detection
- Priority support
Business
For lenders, accountants, and teams processing at volume
- 500 PDF pages per month, then $0.08/page
- REST API access with your own keys
- Unlimited visible transactions per report
- Priority support
FAQ
Pay stub analyzer —
questions & answers
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