# Income Calculator Collection: Pay, Wage, Salary and Paycheck Calculators

Welcome to the Income Calculator Collection at free-online-calculator-use.com. This section is dedicated to helping you to get the greatest financial and emotional returns from your labors, and for sharing my own unique perspective on the concept of income.

We've all heard the phrase "Time is Money," but have you ever stopped to consider that the opposite is also true? The opposite being, "Money is Time."

### Money IS Time

Consider this. When you spend time serving an employer or customer, the employer or customer gives you a receipt for your time in the form of a denomination of money. In other words, money is simply a receipt for time spent serving others, which in turn can be exchanged for other people's time (their time spent providing goods and services to you).

How much are these time receipts worth? Well, that depends on what you do with them. So before you go blaming your boss, company, or customers for any financial woes you might have, consider who's been managing the time receipts.

If you exchange a denomination of your time receipts for a product or service that loses all of its value within a short time of purchase (an expendable), the return on your time spent serving others is limited to the momentary value provided by the product or service.

Or, if you exchange a denomination of your time receipts for a product or service for which the value decreases over time (a depreciable asset), then again, the return on your time spent serving others is limited to the ever-decreasing value of the product or service.

Finally, if you exchange a denomination of your time receipts for a product or service for which the value increases over time (an appreciable asset), then the return on your time spent serving others can grow exponentially (compounding interest). In fact, as you exchange more and more of your time receipts for appreciable assets, you will become increasingly free to work at what you want, when you want, where you want, and with whomever you want.

### Time is your ONLY and Most Precious Resource

Now, if you agree that Money IS time, then it's important to also realize that you only have one thing in your life that you can exchange for happiness. It's your time (money in your possession is simply banked time). And since time is your life's limited and most precious resource, you should ask yourself this question each an every time you contemplate exchanging a portion of your banked time, or in the case of buying on credit, exchanging your future time for a product or service:

Will this exchange of my life's most precious resource serve to maximize the emotional returns from the time I invested in serving others?

And be sure to keep this in mind as well. One of the things you can exchange banked time for is time off from work, i.e., time to spend with people who care about you as a person, not just for what you can do for them.

Of course, the more you dislike your work (how you're choosing to serve others), the less likely you will be able to exchange your time receipts for something that will more than offset the emmotional losses you're experiencing from work.

More on that subject throughout this site. For now, just something to think about as you use the calculators located in the income calculator section.

Below are the current pay, wage, salary and paycheck calculators contained in the income calculator collection, all of which are dedicated to helping you to maximize the emotional returns on your time spent serving others.

## Calculators Currently Available

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Real Hourly Wage Calculator
Your life is a business just like any other business. And as such, your true net income (profit) from selling one hour of your time, skills and abilities to others is what's left after accounting for all work-related time and expenses.

This online lifetime earnings calculator will calculate how much money you will earn between now and when you retire based on your anticipated annual Cost of Living (COL) increases. It also attempts to explain the real reason why the rich get richer.

Annual Salary to Hourly Pay Calculator
This online hourly pay calculator will translate your annual salary into its hourly, daily, weekly and monthly equivalents.

Hourly Pay to Annual Salary Calculator
This online annual salary calculator will translate your hourly pay into its yearly, monthly, weekly and daily equivalents.

Salary Inflation Calculator
This online income calculator will estimate how much your income will need to increase by next year in order to keep pace with inflation, and discusses a cause of buying power reduction that can be even more significant than inflation.

Free Online Paycheck Calculator
This very popular calculator will estimate your net take home pay after calculating your deductions and federal and state income tax withholding. Includes a field to enter claimed tips, which in turn includes a built-in calculator for calculating claimed tips as a percentage of sales. Also includes a printer friendly report so you can adjust future entries to get the estimated net pay to more closely match the actual.

Stay At Home Calculator
This free online stay at home calculator will add up all the expenses and taxes that you are paying just to keep your job, and then calculate the net effects of eliminating those expenses and taxes by quitting work to become a stay at home parent.

Cool Pay Raise Calculator with Eye Opening Surprises
This free online calculator will not only calculate your pay raise or cost of living (COL) raise, but will also translate the raise into every common and not-so-common time period -- including how much the raise will add up to between now and when you plan to retire!

MLM Income Calculator
This free online calculator will forecast your monthly multi-level marketing income based on your recruitment and product sales projections -- through up to 10 levels. Includes a list of considerations not found in MLM sales-presentations.

Between Dates Income Calculator
This calculator will calculate the number of work-weeks, workdays, work-hours, and the wages earned between two selected dates -- which can either be a past, present, or future span of time.

Overtime Calculator to Calculate OT Rate and Wages
This calculator will calculate your overtime rate plus your periodic and annual overtime wages. Includes "What is Overtime Rate?" and "How to Double Your Overtime Rate."

### Time Card/Sheet Calculators

2-Column Biweekly Timecard Calculator
This biweekly income calculator will allow you to easily total up your biweekly time card hours and then calculate your total regular and overtime pay for the two-week period. Includes 2 In/Out columns and a printable time card report feature so you can print a copy of the completed time card calculations for your payroll clerk.

2-Column Weekly Timesheet Calculator
This free online income calculator will allow you to quickly total up your weekly timesheet hours and then compute your total regular and overtime wages for the week. Includes 2 In/Out columns and a printable time sheet report feature so you can print out a copy of the completed timesheet calculations.

3-Column Bi-Weekly Time Card Calculator
This biweekly income calculator will allow you to easily total up your biweekly time card hours and then compute your total regular and overtime pay for the two week period. Includes 3 In/Out columns and a printable time card report feature so you can print out a copy of the completed time card calculations for your paymaster.

3-Column Weekly Time Sheet Calculator
This free online income calculator will allow you to quickly total up your weekly time sheet hours and then compute your total regular and overtime gross pay for the week. Includes 3 In/Out columns and a printable time sheet report feature so you can print out a copy of the completed time sheet calculations for your payroll clerk.

4-Column Weekly Time Sheet Calculator
This calculator is the 3rd version of the original 2-column weekly timesheet calculator, but with 4 In/Out columns to accommodate employees that regularly have three unpaid breaks per workday.

Semi-Monthly Timesheet Calculator with Partial Week OT Calculations
This free online time and wage calculator will calculate the regular time, over-time, and gross wages for employees that are paid twice per month. Includes a built-in method for tracking weekly overtime for workweeks that span two different semi-monthly payroll periods!

Semi-Monthly Timesheet Calculator with Weighted Average Overtime Method
Use this calculator if you pay twice per month (1st-15th and 16th-EOM) and have multiple hourly rates. The calculator uses the weighted average method for calculating overtime pay. You can allocate each time block to any one of up to 5 custom activity rates.

Printable Blank Time Sheet Creator
Use this tool to design and print custom timesheets for your employees that will coincide with whichever of the above time calculators you are using to calculate hours and gross wages. Create weekly, biweekly, semi-monthly, or monthly timesheets, with either 1, 2, or 3 In/Out columns. Plus each element offers up 140 different colors to choose from.

## Future Calculators Planned for the Income Calculator Collection

The following is a list of calculators that I plan to add to this section as I have time (money, as discussed above). I'm basically adding pay, wage, paycheck and salary calculators to free-online-calculator-use.com in the order from highest demand to lowest demand, so if you see a calculator in the following list you want me to put on the high priority list, please let me know.

• Cost of Living Raise Calculator
• Income Comparison Calculator
• Living Wage Calculator
• Millionaire Calculator
• Work Calculator

> Income Calculators

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