Your salary, after tax.
Estimate your take-home pay and see how payroll deductions change through the year.
2026 tax year · Federal + regional · No account required
Sources and assumptions
US payroll withholding estimates use IRS guidance, Social Security wage bases, and published state tax rules. Standard deduction assumptions, modeled localities, employee payroll taxes, and optional modern W-4 settings are included. State withholding remains an estimate unless supported certificate settings are entered. Multi-state/nonresident situations and unentered benefits can change actual pay.
Your pay. A plan for the life you want.
Fred is your personal financial copilot. Give him what you want your money to make possible. He works out what you can afford, researches your options and connects your bills, debts and goals into a plan.
What should I do with my next raise?
You shouldn’t have to become an expert, build the plan and maintain it yourself. Fred puts your approved changes into practice and works with you to keep the plan aligned with your life.
7 days free. No card required.You make the decisions. Fred handles the rest.
As life changes, your plan changes with you.
Your finances don’t start and end with a conversation. Fred works with your saved goals, decisions and context, so the next question builds on what’s already in place. Connected Gmail keeps bringing in financial records between chats, with your permission.
You don’t have to piece it all together.
The tools to organize your money come included. Fred takes on the research, calculations and decisions to work through, connecting your income, bills, debts and goals. You set the priorities. He works out what it takes.
You make the call. Fred makes it happen.
An answer shouldn’t leave you with another list of tasks. Fred creates goals, updates budgets and organizes expenses with your approval. He can find financial details in your emails and make sense of receipts, so there’s less digging, filing and remembering for you.