Terms of Use

The calculator on mypaycal.org provides federal, FICA, and state tax estimates for informational purposes. It is not tax, legal, or accounting advice.

Federal calculations use the official IRS 2026 brackets (Rev. Proc. 2025-32, OBBBA amendments). State taxes use simplified top marginal rates. For exact figures use the premium spreadsheet or a professional.

By downloading the premium spreadsheet on Gumroad, you agree to Gumroad's terms and to personal use of the template (no resale or redistribution).

Refunds. Every purchase is covered by our store's refund policy on Gumroad: 30 days from purchase. To request one, reply to your Gumroad receipt email or write to hello@mypaycal.org with your order number; Gumroad returns the payment to the original method. When a purchase is refunded its license key stops being valid and is unlinked from your account.

The site is provided "as is" without warranties. The author is not liable for decisions based on these estimates. Consult a CPA before acting.