Run payroll, calculate withholdings, generate pay stubs, track PTO, manage garnishments, and stay compliant with IRS deposit schedules — all in one place. Built for small businesses with 1-50 employees who want accuracy without paying $40-$200/employee/month for Gusto / ADP / Paychex. Knows 2026 FICA rates, Publication 15-T withholding brackets, CCPA garnishment limits, and how FLSA overtime actually works. ## What's included - **Hourly + salaried processing** — overtime per FLSA (1.5x over 40/week, state OT rules for CA / NY / AK / NV), tip credit + tip pooling math, commission + bonus tax treatment, multi-rate same-employee handling - **FICA + Medicare** — Social Security 6.2% (wage cap $176,100 for 2026), Medicare 1.45% + 0.9% Additional Medicare ($200K threshold), employer match calculated automatically - **Federal income tax** — 2026 Publication 15-T brackets, W-4 (2020+ format) parsing, dependents + extra withholding, multi-job adjustment - **Pre-tax deductions** — 401(k) / Roth 401(k) (employee + employer match + Safe Harbor), HSA / FSA limits, Section 125 health premiums, transit benefits ($315/mo 2026) - **Garnishments with CCPA limits** — child support (up to 50-65% of disposable), tax levies, creditor garnishments, multi-garnishment priority order, employer fee - **PTO accrual + tracking** — accrual rate per pay period or anniversary, max balance, carryover policy, payout-on-termination by state law - **New-hire onboarding** — I-9 + state new-hire reporting checklist, W-4 + state withholding form, direct deposit setup, EEO-1 data capture, handbook acknowledgments - **IRS deposit schedule + 941** — semiweekly vs monthly depositor determination (lookback period), Form 941 quarterly prep with line-by-line reconciliation - **Year-end W-2 + 1099 prep** — W-2 box-by-box population, 1099-NEC for contractors, state copies, employee distribution-ready PDFs - **Pay stub generation** — gross / pre-tax / taxes / post-tax / net with full line item breakdown, YTD totals, employer-paid benefits shown ## Limitations - **Not a check writer / ACH processor** — calculates exact net pay + employer obligations; actual ACH runs via your bank or a service like Gusto-Migration / Square Payroll - **Not a 50-state-compliant SUTA filer** — federal layer fully covered; state unemployment tax rates + state-specific quarterly filings flagged with rates + due dates - **Not benefits administration** — tracks deductions; carrier enrollment + COBRA mailings happen via the carrier / broker - **Not legal counsel** — wage-and-hour disputes, ERISA, workers' comp claims need an employment attorney - **U.S.-federal-primary** — federal layer is bulletproof; state nuances (CA / NY / IL / WA / OR / MA / NJ specifically) flagged with code references ## Best fit Small businesses with 1-50 W-2 employees + 1-20 1099 contractors — professional services, restaurants, retail shops, contractors, healthcare practices, nonprofits — currently running payroll on Excel or paying $40-$200/employee/month to a third-party processor. Especially valuable for businesses where the bookkeeper / office manager is doing payroll part-time and missed a 941 deposit window last year. At $39-79/mo flat, vs $40+/employee/mo, this pays for itself starting at employee #2.
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