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