Your first paycheck, line by line
Gross to net: what FICA is, what withholding really means and the 60-second payday check.
Gross to net: what FICA is, what withholding really means and the 60-second payday check.
Your offer said one number. Your paycheck says another. Both are right.
Gross is the offer; net is the deposit. In between: taxes, Social Security, Medicare and your benefits. Every line has a name.
«FICA» on your stub
Social Security plus Medicare: 6.2% and 1.45% of your pay. Your employer pays the same again on top.
Your federal withholding looks huge. What is it really?
Withholding is tax paid in advance. Too much means a refund; too little means a bill in April. Your W-4 controls the dial.
401(k) and health premiums reduce your pay but buy you something. Know which deductions are taxes and which are benefits.
Net looks wrong — check what first?
Hours and rate on the stub against your offer. Most paycheck surprises are hours, not taxes.
Read one pay stub well and you'll never fear one again.
Paste your own study material and Claude writes the deck on your phone.
With Pablitos, any document — or anything you ask Claude or ChatGPT — becomes training you will actually do, in seconds.
Built from a photo of a real pay stub, sent to Claude
Quiz answers, audio and your progress live in the app — where the AI adapts the deck to your own situation.
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