Reckato
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About this app
Find the money you're owed. Then keep more of what you earn.
Independent app, not affiliated with any government agency. Sources at the end.
WHAT YOU MAY BE OWED
The earned income credit, the child tax credit, your state's own credit, SNAP, WIC, school meals, Medicaid and CHIP, marketplace subsidies, Lifeline, heating help, the Medicare Savings Programs — eighteen programs, screened against your household in a minute. Every finding shows the rule with your own numbers in it, what it is worth, and the office to call. Built from the 2026 IRS, HHS, USDA and state tables, refreshed when they change.
MOST TAKE-HOME CALCULATORS STOP AT THE STATE LINE. YOURS DOESN'T.
If you live in one town and work in another, you are taxed in both. Reckato knows the rules for over 5,000 cities, counties and school districts.
WHAT YOU ACTUALLY TAKE HOME
Federal, FICA and all 50 states, plus the local tax nearly everyone else leaves out. Per paycheck, not just per year. Freelance or 1099? It works out self-employment tax, the 20% business deduction, and the check to send the IRS each quarter.
IF LIFE CHANGES
What unemployment would pay in your state, and for how long. What Social Security would pay at 62, 67 or 70. Your student-loan payment on the new RAP plan, IBR or standard. VA disability pay for your rating and family.
THE REAL COST OF THINGS
A house with property tax, insurance and PMI folded in. A car from payment to pump. A month for your whole household where you live — rent and home prices for your ZIP. Any figure shown as the gross you must earn to keep it.
THE RULES WHERE YOU ARE
The minimum wage in your actual city. When your last paycheck must arrive after you quit. How long your landlord has to return your deposit. What your state taxes in retirement. This year's Medicare costs and 401(k), IRA and HSA limits. All fifty states, every answer citing its source.
WORKS IN 17 COUNTRIES — THE US, CANADA, THE UK, INDIA, AUSTRALIA, NEW ZEALAND, IRELAND, THE PHILIPPINES, SINGAPORE, SOUTH AFRICA, KENYA, GHANA, INDONESIA, NIGERIA, PAKISTAN, MALAYSIA AND HONG KONG
Canada: take-home by province, EI, mortgage renewal, rent rules, RRSP versus GIS. UK: PAYE and NI, Universal Credit, Child Benefit, stamp duty, pensions. India: salary and regime, PF, TDS, SIP, PPF, NPS. Australia: tax, HELP, super, Centrelink, stamp duty. Each pack has plans for a job loss, a baby, illness and bereavement.
Plus 585 tools across 17 countries: an editable calculator, unit and currency conversion, dates, percentages, savings, health. All of it works offline.
NO ACCOUNT. NO ADS. NO DATA COLLECTED — EVER.
Everything stays on your phone, including what you earn.
RECKATO PRO — $2.99 a month or $19.99 a year, each with a 3-day free trial. Unlocks the benefits finder, salary and freelance tax, local tax, the payslip check, the full-cost mortgage, offer comparison, saved formulas and eleven more themes, and includes each year's updated tables and rules.
SOURCES AND INDEPENDENCE
Reckato is not affiliated with, endorsed by, or acting on behalf of the IRS, the CRA, HMRC, the ATO or any government agency, and it does not provide or facilitate any government service. Every figure is from a published government source, cited in-app under Settings > Sources. Sources:
https://www.irs.gov/newsroom
https://www.federalregister.gov/agencies/social-security-administration
https://www.federalregister.gov/agencies/labor-department
https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines
https://www.census.gov/programs-surveys/acs
https://www.eia.gov/petroleum/gasdiesel/
https://www.va.gov/disability/compensation-rates/veteran-rates/
Canada: https://open.canada.ca/en
UK: https://www.gov.uk/income-tax-rates
India: https://www.incometax.gov.in/iec/foportal/
Australia: https://www.ato.gov.au/tax-rates-and-codes
Estimates only, not tax, legal or financial advice — confirm with the authority or a professional before acting.
Independent app, not affiliated with any government agency. Sources at the end.
WHAT YOU MAY BE OWED
The earned income credit, the child tax credit, your state's own credit, SNAP, WIC, school meals, Medicaid and CHIP, marketplace subsidies, Lifeline, heating help, the Medicare Savings Programs — eighteen programs, screened against your household in a minute. Every finding shows the rule with your own numbers in it, what it is worth, and the office to call. Built from the 2026 IRS, HHS, USDA and state tables, refreshed when they change.
MOST TAKE-HOME CALCULATORS STOP AT THE STATE LINE. YOURS DOESN'T.
If you live in one town and work in another, you are taxed in both. Reckato knows the rules for over 5,000 cities, counties and school districts.
WHAT YOU ACTUALLY TAKE HOME
Federal, FICA and all 50 states, plus the local tax nearly everyone else leaves out. Per paycheck, not just per year. Freelance or 1099? It works out self-employment tax, the 20% business deduction, and the check to send the IRS each quarter.
IF LIFE CHANGES
What unemployment would pay in your state, and for how long. What Social Security would pay at 62, 67 or 70. Your student-loan payment on the new RAP plan, IBR or standard. VA disability pay for your rating and family.
THE REAL COST OF THINGS
A house with property tax, insurance and PMI folded in. A car from payment to pump. A month for your whole household where you live — rent and home prices for your ZIP. Any figure shown as the gross you must earn to keep it.
THE RULES WHERE YOU ARE
The minimum wage in your actual city. When your last paycheck must arrive after you quit. How long your landlord has to return your deposit. What your state taxes in retirement. This year's Medicare costs and 401(k), IRA and HSA limits. All fifty states, every answer citing its source.
WORKS IN 17 COUNTRIES — THE US, CANADA, THE UK, INDIA, AUSTRALIA, NEW ZEALAND, IRELAND, THE PHILIPPINES, SINGAPORE, SOUTH AFRICA, KENYA, GHANA, INDONESIA, NIGERIA, PAKISTAN, MALAYSIA AND HONG KONG
Canada: take-home by province, EI, mortgage renewal, rent rules, RRSP versus GIS. UK: PAYE and NI, Universal Credit, Child Benefit, stamp duty, pensions. India: salary and regime, PF, TDS, SIP, PPF, NPS. Australia: tax, HELP, super, Centrelink, stamp duty. Each pack has plans for a job loss, a baby, illness and bereavement.
Plus 585 tools across 17 countries: an editable calculator, unit and currency conversion, dates, percentages, savings, health. All of it works offline.
NO ACCOUNT. NO ADS. NO DATA COLLECTED — EVER.
Everything stays on your phone, including what you earn.
RECKATO PRO — $2.99 a month or $19.99 a year, each with a 3-day free trial. Unlocks the benefits finder, salary and freelance tax, local tax, the payslip check, the full-cost mortgage, offer comparison, saved formulas and eleven more themes, and includes each year's updated tables and rules.
SOURCES AND INDEPENDENCE
Reckato is not affiliated with, endorsed by, or acting on behalf of the IRS, the CRA, HMRC, the ATO or any government agency, and it does not provide or facilitate any government service. Every figure is from a published government source, cited in-app under Settings > Sources. Sources:
https://www.irs.gov/newsroom
https://www.federalregister.gov/agencies/social-security-administration
https://www.federalregister.gov/agencies/labor-department
https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines
https://www.census.gov/programs-surveys/acs
https://www.eia.gov/petroleum/gasdiesel/
https://www.va.gov/disability/compensation-rates/veteran-rates/
Canada: https://open.canada.ca/en
UK: https://www.gov.uk/income-tax-rates
India: https://www.incometax.gov.in/iec/foportal/
Australia: https://www.ato.gov.au/tax-rates-and-codes
Estimates only, not tax, legal or financial advice — confirm with the authority or a professional before acting.
Tax, pay & benefits calculator: what you keep, what you're owed. No account.
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Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
- No data shared with third partiesLearn more about how developers declare sharing
- No data collectedLearn more about how developers declare collection
What’s new
What’s new: every figure now links to its exact official source page (Settings → Sources), and the keypad fix. 585 government-sourced tools across 17 countries. Not affiliated with any government agency; all figures from published government sources.
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About the developer
MANAN AMITKUMAR SHAH
support@reckato.com
12929 Tipperary Ln
Plainfield, IL 60585-2799
United States