# USAPay Insights — Take-home pay, all 50 states > Take-home pay, all 50 states (iPhone/iPad app by Qi Zhang.) - Source: https://appshunter.io/ios/app/usapay-insights/id6816841265 (this page in markdown: same URL + `.md`) - Developer: [Qi Zhang](https://appshunter.io/developer/6775123701) - Category: Finance - Price: Free - Age rating: 4+ - Requires: iOS 15.1 · 26 MB - Languages: American English - Released: 2026-10-22 - Data updated: 2026-11-06 ## What is USAPay Insights? See what you actually keep from your pay, in every US state and DC. USAPay Insights calculates 2026 federal income tax, Social Security, Medicare, state income tax, city and county taxes (like New York City) and state payroll deductions such as SDI and paid family leave. Every number comes from the same open, documented engine as usapayinsights.com, checked against IRS Publication 15-T and every state's own tax department. The calculation runs on your phone; your salary never leaves it. No account, no ads. Nine languages: English, Español, 中文, Tagalog, Tiếng Việt, Русский, Kreyòl, 한국어, हिन्दी. ## Is USAPay Insights safe? Not enough ratings yet to assess USAPay Insights. ## Is USAPay Insights legit? USAPay Insights appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for USAPay Insights is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.4.0 — 2026-11-02 • Made for iPad: your inputs on the left, your take-home pay on the right, updating as you type. • A clearer start: pick hourly, salary or timesheet on the home screen, fill in your pay, then see the full breakdown. • Signed in? Every calculation now goes into your history automatically. • More accurate city taxes: payroll HSA contributions no longer count toward the Detroit, Kansas City, St. Louis and Ohio city wage taxes. ### 1.3.0 — 2026-10-29 • Tax guides: articles from usapayinsights.com, matched to your state, right below your results. • One quick optional question after a calculation, so you can see how you compare with others — skip it anytime; turned off with the statistics switch. • More accurate state and local taxes: California and New Jersey tax HSA contributions; Philadelphia's wage tax applies to pre-tax benefits. ### 1.2.0 — 2026-10-28 Same numbers as usapayinsights.com again, with corrections read from each state's official 2026 documents: • Utah: 4.45% rate and the taxpayer credit phase-out • New York: benefit recapture (first tier) • Maine: deduction and exemption phase-outs • Arkansas: 2026 bracket adjustment, no more cliff • Employee payroll deductions now included: Alaska unemployment insurance, Pennsylvania unemployment compensation, Oregon statewide transit tax, Maine paid leave, Vermont child care contribution • New Jersey: pre-tax health premiums are taxed by the state ### 1.1.0 — 2026-10-26 Everything CanPay Insights' app does, with the US engine: • Hourly wage and weekly timesheet modes, with federal overtime and California's daily overtime • HSA contributions • Ways to keep more: employer 401(k) match, HSA, 401(k), Roth IRA — computed for your pay • Share your result as an image • Optional account: save figures, reopen them here or on usapayinsights.com, delete everything in one tap ### 1.0 — 2026-10-22 No release notes. ## More apps by Qi Zhang - [CanPay Insights: Paycheck](https://appshunter.io/ios/app/canpay-insights-paycheck/id6759822038) - [VisaScout](https://appshunter.io/ios/app/visascout/id6760326776) All apps by Qi Zhang: https://appshunter.io/developer/6775123701 --- *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 2026-11-06.*