# Work Money Tax

> Verified calculators for work, money, and tax decisions: state unemployment benefits,
> severance and layoff rights, 1099/gig and creator taxes, nanny and household-employer
> taxes, and take-home pay for every US state and Canadian province. Every changing figure
> is transcribed from its official source (IRS, SSA, DOL, state workforce and revenue
> agencies, CRA) into a versioned, dated rule pack and displayed with a visible
> verification stamp. All calculators run client-side; estimates only.

IMPORTANT: workmoneytax.com is a private, independent website. It is NOT affiliated with, endorsed by, or connected to any government agency, including the IRS, SSA, U.S. Department of Labor, any state workforce or revenue agency, or the CRA. For official determinations, use the official agency links provided on each page.

## Machine-readable data (cite these)

- [Rule pack index](https://workmoneytax.com/rulepacks/index.json): every data pack with packId, agency, effective year, verification date, and official source URL
- [Data provenance ledger](https://workmoneytax.com/sources): human-readable list of every source
- MCP server: https://api.cosyslabs.com/workmoneytax/mcp — tool responses cite pack version + official source
- [Developer docs](https://workmoneytax.com/developers)

## Unemployment Benefits

- [Unemployment Benefits hub](https://workmoneytax.com/unemployment-benefits): State unemployment benefit calculators for all 50 states and DC — weekly benefit amount, partial benefits while working reduced hours, base-period rules, dependents allowances, and how severance interacts with your claim. Every figure verified against the state workforce agency that pays the benefit.
- [Unemployment Calculator 2026 — Weekly Benefit by State](https://workmoneytax.com/unemployment-calculator): Estimate your weekly unemployment benefit in any verified state. Enter your base-period quarterly wages and the calculator applies that state’s own published formula, minimum and maximum, dependents allowance, and duration — showing every step of the math and linking the agency source it came from.
- [Partial Unemployment Benefits Calculator](https://workmoneytax.com/partial-unemployment-calculator): Working reduced hours? Each state disregards part of what you earn in a week before reducing your benefit. Enter your weekly benefit amount and the week’s gross earnings to estimate what stays payable, plus the earnings level at which the benefit stops for that week entirely.
- [Unemployment Benefits by State 2026 — Comparison Table](https://workmoneytax.com/unemployment-benefits-by-state): Compare the maximum weekly benefit, maximum number of weeks, dependents allowances, and benefit formulas across every state verified for 2026. Each row is transcribed from that state agency’s own publication, and links through to the state’s full estimate calculator and to the source document the figures came from.
- [Are Unemployment Benefits Taxable? After-Tax Calculator](https://workmoneytax.com/after-tax-unemployment-calculator): Unemployment compensation is taxable federally, and some states tax it too. Estimate what a claim is actually worth after the optional 10% federal withholding on Form W-4V and any state tax, using your state’s verified rule on whether benefits are taxed at all.
- [Base Period Calculator — Which Quarters Count](https://workmoneytax.com/base-period-calculator): Pick the month you file and see exactly which calendar quarters count toward your estimate: the standard base period of the first four of the last five completed quarters, the lag quarter many states add in an alternate base period, and which weeks sit right on the boundary of both windows.

## Severance & Layoffs

- [Severance & Layoffs hub](https://workmoneytax.com/severance-and-layoffs): Laid off or expecting it? Estimate severance value and the taxes withheld from it, COBRA health-coverage costs, WARN Act 60-day notice rights, and final-paycheck deadlines in your state — with a runway planner that puts severance, unemployment, and health coverage on one timeline.
- [Severance Pay Calculator 2026](https://workmoneytax.com/severance-calculator): Estimate what a severance package is worth before and after tax. Enter weekly pay, years of service, and the employer’s weeks-per-year formula to see the gross amount, the 22% federal supplemental withholding, Social Security and Medicare, and the net that actually lands in your account.
- [COBRA Cost Calculator 2026](https://workmoneytax.com/cobra-calculator): Estimate what continuing your employer health plan under COBRA would cost. Plans may charge up to 102% of the full premium, so this starts from Box 12 code DD on your W-2 — the total cost of your coverage — and shows the monthly premium and the full-period total.
- [Layoff Runway Planner](https://workmoneytax.com/layoff-runway-planner): Put the whole layoff picture on one timeline: severance after withholding, unemployment benefits for your state, COBRA premiums, and monthly expenses. The planner shows how many months the money covers, when each source runs out, and exports the deadlines to your calendar.
- [WARN Act Notice Requirements by State 2026](https://workmoneytax.com/warn-act-notice-requirements): How much advance notice a mass layoff or plant closing requires: the federal WARN Act’s 60-day rule and employer thresholds, plus every state that adds its own notice law — with the notice period, what each law covers, and the statute it comes from.
- [Does Severance Affect Unemployment? State-by-State](https://workmoneytax.com/severance-unemployment-offset): Some states ignore severance entirely when you claim unemployment; others reduce or delay benefits for the weeks it covers. Pick your state to see its agency’s own published rule, quoted with the source, and how every verified state groups on the question.
- [WARN Act Back Pay Calculator](https://workmoneytax.com/warn-back-pay-calculator): If a mass layoff gave less notice than the law required, WARN provides back pay and benefits for each day of the shortfall, up to the notice period. Estimate the gap using the federal 60-day rule and your state’s own period, whichever is longer.
- [Final Paycheck Laws by State 2026 — When Is It Due?](https://workmoneytax.com/final-paycheck-calculator): When does a last paycheck have to arrive? Pick your state and whether you were let go or resigned to see that state’s own deadline, whether accrued vacation must be paid out, and the statute it comes from — an estimate of timing, with the source linked.
- [Severance Agreement Deadline Calculator (OWBPA)](https://workmoneytax.com/severance-agreement-windows): Workers 40 and older get statutory time to consider a severance agreement waiving age-discrimination claims: 21 days individually, 45 days in a group layoff, plus 7 days to revoke after signing. Enter the date the offer arrived to map those windows and export them to a calendar.

## 1099 & Gig Taxes

- [1099 & Gig Taxes hub](https://workmoneytax.com/gig-taxes): Self-employment tax and quarterly estimated-payment calculators for freelancers, contractors, and gig workers — DoorDash, Uber, Etsy, Upwork and more — with IRS deadlines, safe-harbor rules, mileage deductions, and 1099-K facts. Built on the IRS documents the numbers come from.
- [Self-Employment Tax Calculator 2026](https://workmoneytax.com/self-employment-tax-calculator): Estimate 2026 self-employment tax on your freelance or gig profit: 12.4% Social Security and 2.9% Medicare apply to 92.35% of net earnings, with the $184,500 wage base, W-2 wage coordination, the 0.9% additional surtax, and the deductible half of SE tax — every figure verified against the IRS 2026 inflation-adjustment release and the 2026 Form 1040-ES.
- [Quarterly Estimated Tax Calculator 2026](https://workmoneytax.com/quarterly-tax-calculator): Estimate your 2026 federal quarterly estimated taxes in one pass: self-employment tax plus income tax after the $16,100–$32,200 standard deduction and the simplified 20% QBI deduction, sized to the IRS safe harbor of 90% of this year or 100–110% of last year, and split across the April 15, June 15, September 15, and January 15 vouchers.
- [Mileage Deduction Calculator 2026](https://workmoneytax.com/mileage-deduction-calculator): Estimate your 2026 business mileage deduction with the mid-year IRS rate split applied automatically: miles driven January through June count at 72.5 cents each under Notice 2026-10, and miles driven July through December count at 76 cents under Announcement 2026-11. Enter the two totals and see the deduction, the math, and the source the rates come from.
- [1099-K Threshold 2026 — the $20,000 / 200-Transaction Rule](https://workmoneytax.com/1099-k-threshold): The 2026 federal 1099-K reporting threshold is payments over $20,000 in more than 200 transactions — the pre-2021 rule reinstated by the One Big Beautiful Bill after the $600 phase-in was repealed. See what payment apps and marketplaces report, the 2023–2026 threshold history, and why receiving no form never makes platform income tax-free.
- [W-2 vs 1099 Calculator — What Contract Rate Matches a Salary?](https://workmoneytax.com/w2-vs-1099-calculator): Compare an employee offer against contract work on the same money, then reverse it: estimate what contract revenue actually matches a salary once you pay both halves of FICA, lose employer benefits, and stop being paid for days off. Both sides run on verified IRS figures.
- [Employee or Independent Contractor? Classification Screener](https://workmoneytax.com/misclassification-screener): Walk the factors the IRS and Department of Labor actually use — behavioural control, financial control, the relationship, and economic reality — and see which way they lean for your situation, with each factor named and the official guidance linked.
- [Gig Worker Deduction Finder](https://workmoneytax.com/gig-deduction-finder): A checklist-style screener that surfaces the expense categories gig workers commonly report on Schedule C — mileage, phone use, platform fees, gear, and more — organized by platform, from DoorDash to Turo. Check what applies to your work, then carry realistic cost estimates into the quarterly tax calculator so estimated payments reflect profit, not gross payouts.

## Nanny & Household Employer Taxes

- [Nanny & Household Employer Taxes hub](https://workmoneytax.com/nanny-taxes): Hiring a nanny, caregiver, or housekeeper? Calculate the FICA and FUTA taxes you owe as a household employer, your true all-in cost, and your employee’s take-home pay — plus a 60-second quiz that tells you whether the nanny tax applies to you at all, per IRS Publication 926.
- [Nanny Tax Calculator 2026](https://workmoneytax.com/nanny-tax-calculator): Estimate the household-employer taxes on wages paid to a nanny, caregiver, or housekeeper: Social Security and Medicare once cash wages reach $3,000 for 2026, federal unemployment tax on the first $7,000, your all-in cost as the employer, and your employee’s take-home pay.
- [Do I Owe Nanny Tax? 60-Second Check](https://workmoneytax.com/nanny-tax-quiz): A short screener that walks the Publication 926 tests in order: whether the worker is your employee rather than self-employed, whether a family exemption applies, and whether expected cash wages cross the 2026 threshold. It gives a fact-framed estimate with the rule behind each answer.

## Creator Taxes

- [Creator Taxes hub](https://workmoneytax.com/creator-taxes): Tax calculators and deduction checklists for YouTube, Twitch, TikTok, OnlyFans, Patreon, and Substack income — quarterly estimated taxes on the same verified IRS engine as our gig tools, plus a plain-language 1099-NEC vs 1099-K explainer for platform payouts.
- [Creator Tax Calculator 2026](https://workmoneytax.com/creator-tax-calculator): Estimate 2026 taxes on creator income from YouTube, Twitch, TikTok, OnlyFans, Patreon, or Substack: the same verified IRS engine as our gig tools applies 15.3% self-employment tax to 92.35% of net profit, layers income tax after the standard deduction and simplified QBI, and sizes quarterly payments to the 1040-ES safe harbor and deadlines.
- [1099-NEC vs 1099-K — Which Form Creators Get](https://workmoneytax.com/1099-nec-vs-1099-k): 1099-NEC and 1099-K report creator income differently: a 1099-NEC comes from a business that paid you directly for services, while a 1099-K comes from a payment platform and only when payments top $20,000 across more than 200 transactions in 2026. Learn which form each platform sends, why totals overlap, and what a missing form means.

## Paycheck & Salary

- [Paycheck & Salary hub](https://workmoneytax.com/paycheck-calculators): Take-home pay calculators for every US state and Canadian province — federal withholding per IRS Publication 15-T and CRA T4127, FICA, CPP/EI, and state or provincial tax — plus hourly-to-salary conversion, overtime, raise, and bonus calculators. Verified against the official withholding documents.
- [Paycheck Calculator 2026 — Take-Home Pay by State](https://workmoneytax.com/paycheck-calculator): Estimate take-home pay in any verified state: federal withholding under the IRS Publication 15-T percentage method, Social Security and Medicare, plus that state’s income tax and any employee payroll programs. Computed in your browser, with the approximation disclosed on every result.
- [Canada Take-Home Pay Calculator 2026](https://workmoneytax.com/canada-take-home-pay-calculator): Estimate net pay in any verified province using the CRA’s own T4127 payroll formulas: federal and provincial income tax, CPP or QPP contributions, EI premiums, and Quebec’s QPIP. Computed in your browser, and linked back to CRA’s official calculator for the authoritative check.
- [Job Offer Comparison Calculator — After-Tax Value](https://workmoneytax.com/job-offer-comparison): Put two offers side by side on what they are actually worth: after-tax pay in each state, plus employer-paid benefits and the retirement match that never show up in take-home pay. Estimate the total value rather than comparing headline salaries.
- [Paystub Checker — Is My Paycheck Right?](https://workmoneytax.com/paystub-audit): Check a pay stub you have already received against the rules its own numbers can prove: the 6.2% and 1.45% FICA rates, the Social Security wage-base cutoff that stops the tax mid-year, the Additional Medicare threshold, and the federal time-and-a-half overtime floor. Most gaps turn out to be pre-tax deductions.
- [Take-Home Pay by State 2026 — Ranked Comparison](https://workmoneytax.com/take-home-pay-by-state): One salary, every verified state, ranked by what actually reaches your account. Federal tax and FICA are identical everywhere, so the spread comes entirely from state income tax and employee payroll programs — the number that matters for a relocation decision.
- [Federal Withholding Calculator 2026 (Pub 15-T)](https://workmoneytax.com/federal-withholding-calculator): See how much federal income tax and FICA come out of each paycheck, using the IRS Publication 15-T percentage method your employer’s payroll system uses. Enter gross pay, pay frequency, and your Form W-4 entries to estimate the withholding and what lands in your account.
- [Bonus Tax Calculator 2026](https://workmoneytax.com/bonus-tax-calculator): Estimate what a bonus is worth after withholding. Bonuses are supplemental wages: paid separately from regular pay, they are commonly withheld at a flat 22% federal rate — 37% above $1 million for the year — plus Social Security and Medicare. Enter the amount to see an estimate of the net.

## Key pages

- [Free kit](https://workmoneytax.com/kit)
- [Sources](https://workmoneytax.com/sources): the data provenance ledger — every rule pack and its official source
- [MCP](https://workmoneytax.com/mcp): how to connect an AI assistant to the calculators
- [About](https://workmoneytax.com/about)