Three fields to the real number
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Type in your offer
Hourly pay, weeks, each stipend and whether it's grossed up, your work state. Or paste the offer letter and we fill it in.
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See the deposit, line by line
What HR will actually send: 22% federal, 7.65% FICA, your state's own rate, each line linked to the table it came from.
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Keep it, compare it
The refund at filing and what you really keep, then two or three offers side by side after tax and rent.
One plan. Less than a coffee.
- Unlimited offers, saved and compared side by side
- PDF of each offer card, refund estimate, paystub check
- Email two days before each offer deadline
- 7 days free, no card. Cancel any time
Your first offer card is free, without the plan.
Before you start
Is my relocation stipend taxed?
Yes, a cash relocation or housing stipend is taxable wages. If your offer says "grossed up", the company adds the tax on top so you keep the stated amount.
Why is so much taken out?
Payroll usually withholds federal tax on lump sums at a flat 22%, plus 7.65% Social Security and Medicare, plus your state's rate. That's withholding, not your final tax.
Will I get some of it back?
Often, yes. An intern's yearly income is low, so the real tax can be less than what was withheld. We estimate the refund from the 2026 brackets and standard deduction.
Is this tax advice?
No. It's an estimate from published federal and state tables. Your payroll and your return decide the real numbers.
Same $5,000. Five states.
Other calculators ask you to guess one tax rate. Every card here runs on the rate your state's payroll really uses for a stipend, with the source linked.
- 22% federal on lump sums, 6.2% + 1.45% FICA: IRS Publication 15
- State supplemental rates: Patriot Software 2026 chart
- Your refund: 2026 brackets, $16,100 standard deduction: Tax Foundation