PayScope

PayScope helps US workers understand what they actually take home after taxes and overtime — not just a gross-to-net estimate, but a full financial picture. Enter your hourly rate, weekly or daily hours (including California's daily overtime rules), state, filing status, and deductions to get an instant breakdown of your net pay, federal and state tax withholding, Social Security, and Medicare. What sets PayScope apart is the Worth-It Score: a 0–100 rating that shows how financially worthwhile your overtime hours really are after taxes, so you're not just guessing whether extra hours are worth the effort.

The tool also includes an interactive overtime simulator to model how additional hours change your take-home pay before you commit to working them, and a plain-English breakdown of why overtime paychecks often look smaller than expected due to payroll withholding, not a special "overtime tax." PayScope is free, requires no signup, and covers all 50 US states with 2026 IRS tax data.