# Paycheck & OT Estimator — Paycheck, OT & tax refund calc > Paycheck and tax refund estimator for variable hour and overtime workers. (iPhone/iPad app by Joshua Hunter.) - Source: https://appshunter.io/ios/app/paycheck-and-ot-estimator/id6755323596 (this page in markdown: same URL + `.md`) - Developer: [Joshua Hunter](https://appshunter.io/developer/1853179893) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 10 App Store ratings · 6 written reviews indexed - Age rating: 4+ - Requires: iOS 18.5 · 4 MB - Languages: American English - Released: 2025-12-01 - Data updated: 2026-06-05 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/paycheck-and-ot-estimator/id6755323596/reviews.md ## What is Paycheck & OT Estimator? Paycheck & OT Estimator/Make More • Keep More (MMKM) is built for high-overtime workers who stack income with extra shifts and variable hours. Instead of guessing what your next paycheck or tax refund will look like, MMKM turns your pay stubs into a simple planning tool for your entire year. See how overtime, deductions, and tax withholding affect your take-home pay and estimated refund—so you can plan smarter instead of hoping it all works out at tax time. What you can do with MMKM • Estimate your next paycheck Quickly estimate your current check after federal (and optional state) taxes, benefits, and retirement contributions. See how base hours, overtime, and extra contributions change your net pay before you pick up a shift. • Get an estimated tax refund or amount owed Enter your YTD numbers to instantly see an estimated federal refund or balance due. Catch under- or over-withholding earlier instead of waiting until tax season. • Plan overtime and yearly income Set a target income and see how many overtime hours per pay period you need to stay on pace. Plan your year with clarity instead of guessing. • See your full money picture in one dashboard View annualized gross income, estimated taxes, net take-home pay, and your effective tax rate—all in one place. Understand what you actually keep, not just what you earn. • Stay synced with real pay stubs Add new paychecks using your YTD numbers so the app tracks your actual payroll math more closely. The more pay data you add, the more dialed-in your estimates feel. • Your data stays on your device No accounts, no servers. Your paycheck details stay private on your device. Built for high-overtime workers MMKM is especially helpful for linemen, nurses, firefighters, law enforcement, and anyone working heavy overtime or variable shifts who wants to understand how those hours affect their paycheck and tax outcome. Subscriptions and free trial • Free 7-day trial • Monthly subscription • Yearly subscription at a discounted rate You can cancel anytime in your iOS settings. Prices may vary by region. Important notes Make More • Keep More provides estimates for planning only and does not provide tax, payroll, legal, or financial advice. It is not a tax preparation service. Actual paychecks and tax returns may differ from the app’s estimates based on employer policies, individual tax situations, and law changes. Always confirm important decisions with your payroll department, a tax professional, or official IRS/state guidance. MMKM offers estimation tools for informational purposes only and does not guarantee accuracy. The developer assumes no liability for decisions made based on the app’s calculations. Users should verify all figures with their employer’s payroll department or a licensed tax professional. Subscription Terms Make More • Keep More Pro is available as an auto-renewing subscription: • Monthly: $2.99 • Yearly: $19.99 • Includes a 7-day free trial Payment is charged to your Apple ID after the trial. Your subscription renews unless cancelled at least 24 hours before the end of the billing period. Manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.icloud.com/pages/051X8DMOdklZ94rD4Y6iQfVHA#Blank ## Key features - Estimate next paycheck - Calculate tax refund or amount owed - Plan overtime and yearly income - View full money picture dashboard - Sync with real pay stubs - Data stays on device ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | MMKM Pro Monthly | $2.99 | per month | | MMKM Pro Yearly | $19.99 | per year | ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/paycheck-and-ot-estimator/id6755323596/reviews.md ### 5/5 — Worth it for lineman *2025-12-12* As a lineman working non stop this app definitely helps see the full picture and what I’m on pace for for the year the tax refund calculator and pay check estimator super helpful highly recommend ### 5/5 — . *2025-12-08* The app works great, easy way to stay on top of overtime and predict earnings for the end of the year. ### 5/5 — Awesome *2025-12-07* Easy to use, simple, clean, show me the money! I like it. ### 5/5 — A must have! *2025-12-01* Love this app the calculator is amazing It breaks down my OT pay perfectly and helps me estimate my tax refund in seconds. Super accurate, super easy, definitely a must have app. ### 5/5 — Love this app *2025-12-01* Easy to use, generates accurate information based off tax/income. Highly recommend to anyone trying to optimize the most out of their taxes/returns. ### 5/5 — Easy to use *2025-12-01* This app is great in helping me keep the money that I actually make! Once you get all the info inputted everything else is smooth sailing! ## Frequently asked questions about Paycheck & OT Estimator ### What is Paycheck & OT Estimator? Paycheck & OT Estimator is a financial planning tool designed to help users estimate their take-home pay, overtime earnings, and potential tax refunds. It's particularly useful for those with variable hours or significant overtime. ### How does Paycheck & OT Estimator calculate my pay? The app uses your YTD numbers and pay stub details to estimate your net pay after federal (and optional state) taxes, benefits, and retirement contributions. It allows you to see how overtime and deductions impact your earnings. ### Can Paycheck & OT Estimator predict my tax refund? Yes, by entering your Year-To-Date (YTD) numbers, the app can provide an estimated federal tax refund or amount owed. This helps users identify potential under- or over-withholding earlier. ### What subscription plans are available for Paycheck & OT Estimator? Paycheck & OT Estimator offers a monthly subscription for $2.99 and a yearly subscription for $19.99, which is a discounted rate. Both plans include a 7-day free trial. ### Is my financial data secure with Paycheck & OT Estimator? Yes, your paycheck details remain private on your device as the app does not use servers or require accounts. Your data stays on your device for enhanced privacy. ### Does Paycheck & OT Estimator offer advice? No, Make More • Keep More provides estimates for planning purposes only and does not offer tax, payroll, legal, or financial advice. It is not a tax preparation service. ### How often is Paycheck & OT Estimator updated? The app was last updated on January 22, 2026, with version 1.0.3. This indicates regular maintenance and potential feature improvements. ### What devices is Paycheck & OT Estimator compatible with? Paycheck & OT Estimator is available for iPhone and iPad devices, indicated by its support for these platforms. ## Version history (last 4 releases) ### 1.0.3 — 2026-01-22 2026 tax updates ### 1.0.2 — 2025-12-15 This release brings: Hours Tracker for tracking pay-period hours with running totals and manual rollover Faster flow into Paycheck Estimator with hour prefill Updates to the Summary experience Support for promo codes and in-app review prompts ### 1.0.1 — 2025-12-10 • Improved app performance and reliability • Updated metadata for better discoverability • Minor UI fixes and refinements ### 1.0 — 2025-12-01 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-05.*