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Get Started Free →Decode a pay stub line by line — every deduction explained, the gross-to-net story, and the errors worth catching. Use when asked to explain my pay stub, why is my paycheck smaller than expected, what are all these deductions, or check my paycheck for mistakes. Produces a line-by-line decode, the gross-to-net waterfall, the error checklist (withholding, benefits, overtime), and the fixes to raise with payroll.
| Test case | Without → With | Effect | Δ tokens | Δ turns |
|---|---|---|---|---|
| case-01 | ✗→✓ | ▲ Improved | 14% | 0% |
| case-04 | ✗→✓ | ▲ Improved | 30% | 0% |
| case-05 | ✗→✓ | ▲ Improved | 29% | 0% |
| case-03 | ✓→✓ | ＝ Same ✓ | -23% | 0% |
| case-07 | ✓→✓ | ＝ Same ✓ | 70% | 0% |
Most people can't explain a third of the lines on their own pay stub — which is exactly how errors survive for years. This skill decodes every line, shows the gross-to-net waterfall, and runs the error checklist: wrong withholding status, benefit deductions that don't match elections, missing overtime, and the retirement match that quietly isn't there.
Ask for these only if not provided:
The waterfall: Gross $n] → taxes −$n] (n]%) → pre-tax −$n] → post-tax −$n] → Net $n] (n]% of gross)
Line decode | Line/code | Plain English | Amount | /year | Check | ⚠ Findings — each: the line, expected vs actual, the annualized gap, likely cause For payroll: the message: specific lines, specific asks — payroll fixes line items, not feelings] Looks right: the lines verified clean — decoded confidence, not just alarms]
End verbatim: "This is a plain-language reading, not tax or legal advice — payroll rules vary by jurisdiction; confirm anything load-bearing with payroll or a tax professional."
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