Please read these terms carefully before using PayPeek. By using the service, you agree to be bound by them.
By accessing or using PayPeek ("the Service," "the Site") at paypeek.app, you agree to be legally bound by these Terms of Use ("Terms") and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you may not use the Service.
These Terms constitute a legally binding agreement between you ("User," "you") and PayPeek ("we," "us," "our"). Your continued use of the Service after any modification to these Terms constitutes your acceptance of the revised Terms.
PayPeek provides free, browser-based financial calculation tools designed to help US employees understand their paycheck deductions, federal and state income taxes, FICA contributions, 401(k) impacts, and net take-home pay.
The Service currently includes:
All tools are provided for educational and illustrative purposes only. Additional tools may be added in the future, and existing tools may be modified or discontinued at our discretion.
PayPeek is not a registered investment advisor, certified public accountant (CPA), licensed tax preparer, attorney, or financial planner. We are not regulated by the IRS, SEC, FINRA, or any other financial regulatory body.
You should not make financial, tax, employment, legal, or investment decisions based solely on the output of PayPeek tools. Always consult a qualified professional — such as a certified financial planner (CFP), certified public accountant (CPA), or licensed attorney — for advice specific to your individual circumstances.
We make every effort to ensure our calculations are accurate and reflect current IRS tax brackets, Social Security wage bases, 401(k) contribution limits, and state income tax rates. Our federal tax calculations are based on IRS Revenue Procedure 2024-40 for tax year 2025.
However, PayPeek makes no warranties or representations about the accuracy, completeness, or reliability of any calculation outputs. Our tools use simplified models and may not account for:
Your actual tax liability will differ based on your specific circumstances. For accurate tax preparation, consult a licensed tax professional or use IRS-approved software.
You may use PayPeek solely for your personal, non-commercial educational purposes. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service.
Permitted uses include:
You agree not to:
All content on PayPeek — including but not limited to text, design, code, graphics, calculation logic, brand assets, and the PayPeek logo — is the intellectual property of PayPeek and is protected by applicable copyright, trademark, and other intellectual property laws.
You may not reproduce, modify, distribute, create derivative works from, publicly display, or commercially exploit our content without our express prior written permission.
Tax bracket data, IRS figures, and other government-published information referenced on the site is in the public domain. Our presentation, tool design, and explanatory content remain our proprietary intellectual property.
PayPeek may link to third-party websites such as IRS.gov, the Department of Education, or other government and reference sources. These links are provided for your convenience and reference only.
We do not control, and are not responsible for, the content, privacy practices, accuracy, or availability of any third-party websites. Linking to a third-party site does not imply our endorsement of that site or its content.
Our service is hosted on Vercel and may use third-party analytics or email service providers. Your use of such third-party services is subject to their respective terms and privacy policies.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, OR NON-INFRINGEMENT.
We do not warrant that:
Some jurisdictions do not allow the exclusion of implied warranties. If these laws apply to you, some of the above exclusions may not apply.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PAYPEEK AND ITS OWNERS, OPERATORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE.
This includes, without limitation, damages for:
Our total aggregate liability to you for any claim arising from your use of the Service shall not exceed $0, as the Service is provided free of charge.
Some jurisdictions do not allow limitation of liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless PayPeek and its owners, operators, employees, affiliates, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the Service.
We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Service ceases immediately.
We also reserve the right to discontinue the Service, in whole or in part, at any time without liability to you.
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.
Any dispute arising out of or relating to these Terms or your use of the Service shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association, conducted in Delaware.
You waive any right to bring claims as a plaintiff or class member in any purported class or representative action.
We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last updated" date at the top of this page. Material changes will be communicated to email subscribers.
Your continued use of the Service after any changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.
Questions about these Terms? We're happy to clarify.