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Know your real paycheck before payday

Log your hours once and USA Tools applies the correct state overtime rules automatically, then estimates your personal income tax on top — free, no spreadsheets required.

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Estimates only, not tax or legal advice — see full disclaimer below.

What USA Tools does for you

State-accurate overtime rules

California's daily 8/12-hour thresholds, New York's spread-of-hours rule, and Texas/federal weekly 40-hour overtime — applied automatically based on where you work.

Personal tax estimate

Combine 1099 and W2 income across all your wage projects and get an estimated federal tax, state tax, self-employment tax, and take-home pay.

Built for a multilingual workforce

The full app — forms, calculations, and results — is available in English, Chinese (中文), and Spanish (Español), auto-detected from your browser.

Free, with no login walls to explore

Create an account, add a wage project, and start logging hours in minutes. No credit card, no hidden tiers.

See it in action

Log daily hours — overtime, meal allowance, and night shift pay are calculated automatically per state rule.

Pull income straight from your wage projects and get an instant federal + state tax estimate.

Ready to see your real numbers?

It takes less than five minutes to add your first wage project.

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