I'm Vishvas Yadav, the person behind Digicalcy. I have spent 16+ years in HR and payroll, and today I work as an independent HR and payroll consultant. Payroll and the tax rules behind it have been my day job for my whole career, and Digicalcy is where I turn that work into free, plain-English calculators for people in the United States.
My background
Over the years I have worked on HR and payroll software implementations with multinational companies running payroll in several countries, including the United States, Singapore, Vietnam, Sri Lanka, South Africa and Malaysia. Implementing payroll for a new country means configuring exactly how gross pay turns into net pay there: which taxes apply, in what order, on which part of the pay, and up to which limits. That is the same logic every calculator on this site is built on.
My deepest knowledge is in two systems: United States payroll and taxation, and India payroll and taxation, where I also run HR Calcy.
Credentials
- PGDM (Human Resources), XLRI Jamshedpur
- ISO 9001:2015 Lead Auditor
- ISO 27001:2022 Lead Auditor
- Independent HR and payroll consultant, with 16+ years in HR and payroll
- Founder of Digicalcy, HR Calcy and HRM Infostore
- Based in Bengaluru, India
Why I built Digicalcy
Most people only see the result of payroll: the amount that lands in their bank account. What happens in between, from federal income tax withholding, Social Security and Medicare to state income tax, state disability insurance and pre-tax deductions such as a 401(k), is hard to follow and easy to get wrong. Many online calculators simplify it with flat percentages.
Digicalcy calculators follow the actual sequence payroll uses: what is deducted before tax, which tax applies to which part of the pay, the brackets, the wage limits and the filing status. The tools are free, need no sign-up, and show you how each figure is reached.
What I cover here
- Salary, paycheck and take-home pay, federally and for individual states
- Federal income tax withholding and tax refunds
- Social Security, Medicare and state payroll taxes
- Overtime pay and bonus taxation
- Mortgages, loans and credit card payoff
- Budgeting, saving and retirement planning
Salary, paycheck and payroll tax tools come straight from my professional work. Mortgage, loan, savings and budgeting tools use the standard published formulas, such as loan amortization and compound interest, and I test their results against independent calculations before they go live.
How I check what I publish
These numbers affect real decisions about real money, so I build them from primary sources rather than from other calculators:
- Internal Revenue Service (IRS): tax brackets, standard deductions and the employer withholding guides (Publication 15 and 15-T)
- Social Security Administration (SSA): the Social Security wage base
- U.S. Department of Labor: overtime rules under the Fair Labor Standards Act
- State tax agencies: for example California's Franchise Tax Board and Employment Development Department, and New York's Department of Taxation and Finance
Where a figure for a coming year has not been officially published yet, the calculator or article says so and explains how the estimate is made, instead of presenting it as final.
Keeping it current
Tax brackets, wage bases and deduction limits change every year. When they do, I update the affected calculators and articles rather than leaving old figures in place.
If something looks wrong or out of date, please contact me. Corrections are welcome and acted on.
Elsewhere
I write regularly about payroll and compensation for 20,000+ HR and payroll professionals on LinkedIn.
A note on scope
The calculators and articles on Digicalcy are for information and planning. They follow standard payroll practice and published federal and state rules, but your own situation may differ. I am not a CPA or a tax attorney, and nothing here is personal tax, legal or financial advice. For decisions with significant financial or legal consequences, please consult a CPA, an enrolled agent, a financial advisor or an attorney.