What does the Monthly Monitor track?

Each pay stub uploaded is compared to the previous one and to your YTD baseline. The system flags any noticeable change in net pay, withholding rate, deduction amounts, or new line items, and emails a plain-English summary.

Reports run within 1 hour of upload. Email digest goes out daily if any change is flagged.

How is my data handled?

Pay stub images are processed by an AI vision model under a no-training agreement, the structured extracts are stored encrypted for the duration of your subscription plus 30 days, originals are deleted within 24 hours of processing. Cover SSN, bank, and identifiers before upload.

Will the Monitor catch payroll errors?

It flags items that look outside expected ranges. It does not declare an employer error or instruct a correction. Workers and payroll handle that, the Monitor surfaces the question.

Cancel anytime in account settings. No prorated refunds, but you keep access until the end of the billing month.

Is this financial or tax advice?

No. Educational only. Confirm anything tax-related with a CPA or qualified tax preparer.

Frequently asked questions

What does the Monthly Monitor track?: Each pay stub uploaded is compared to the previous one and to your YTD baseline. The system flags any noticeable change in net pay, withholding rate, deduction amounts, or new line items, and emails a plain-English summary.
Is this real-time?: Reports run within 1 hour of upload. Email digest goes out daily if any change is flagged.
How is my data handled?: Pay stub images are processed by an AI vision model under a no-training agreement, the structured extracts are stored encrypted for the duration of your subscription plus 30 days, originals are deleted within 24 hours of processing. Cover SSN, bank, and identifiers before upload.
Will the Monitor catch payroll errors?: It flags items that look outside expected ranges. It does not declare an employer error or instruct a correction. Workers and payroll handle that, the Monitor surfaces the question.
How do I cancel?: Cancel anytime in account settings. No prorated refunds, but you keep access until the end of the billing month.
Is this financial or tax advice?: No. Educational only. Confirm anything tax-related with a CPA or qualified tax preparer.

Subscription

A second set of eyes on every paycheck.

Upload each pay stub as it lands. PayslipIQ tracks it against the prior stub, flags anything that shifted, and emails a plain-English summary. Designed for hourly, multi-job, tipped, and remote workers whose pay stubs change month to month. Educational only.

Reviewed by PayslipIQ Editorial Team, in-house payroll editor

Last reviewed May 2026 · Editorial standards

$9/month, cancel anytime

Unlimited pay stub uploads per month
Anomaly alerts on net pay changes over 5%
Withholding shift detection
Year-to-date trend chart
Monthly email digest
One free Premium Pay Stub Report per quarter ($29 value)

What the Monitor flags

Net pay change of more than 5% versus prior period (with no obvious cause).
Federal withholding rate shift greater than 1 percentage point.
State withholding rate shift greater than 0.5 percentage point.
New deduction line item or removed line item.
FICA cap reached (Social Security wage base hit mid-year).
Additional Medicare tax kicking in (YTD wages over $200k).
Pre-tax 401(k) limit approaching ($24,500 in 2026, $32,500 if 50+).
HSA limit approaching ($4,400 self, $8,750 family in 2026).
Bonus or supplemental wage withheld at 22% flat (or 37% if YTD over $1M).

Who this is for

Hourly workers with variable schedules.
Tipped workers who see large swings month to month.
Multi-job workers juggling federal withholding across employers.
Remote workers in multi-state setups.
New hires in the first 90 days of a job.
Workers who recently changed W-4, married, had a child, or moved states.
Anyone whose paycheck dropped unexpectedly and they cannot explain why.

FAQ

What does the Monthly Monitor track?: Each pay stub uploaded is compared to the previous one and to your YTD baseline. The system flags any noticeable change in net pay, withholding rate, deduction amounts, or new line items, and emails a plain-English summary.
Is this real-time?: Reports run within 1 hour of upload. Email digest goes out daily if any change is flagged.
How is my data handled?: Pay stub images are processed by an AI vision model under a no-training agreement, the structured extracts are stored encrypted for the duration of your subscription plus 30 days, originals are deleted within 24 hours of processing. Cover SSN, bank, and identifiers before upload.
Will the Monitor catch payroll errors?: It flags items that look outside expected ranges. It does not declare an employer error or instruct a correction. Workers and payroll handle that, the Monitor surfaces the question.
How do I cancel?: Cancel anytime in account settings. No prorated refunds, but you keep access until the end of the billing month.
Is this financial or tax advice?: No. Educational only. Confirm anything tax-related with a CPA or qualified tax preparer.

PayslipIQ provides educational information and estimated calculations only. It does not provide tax, legal, financial, accounting, employment, benefits, or payroll advice. PayslipIQ is not a CPA firm, law firm, financial advisor, payroll provider, or tax authority. Always verify your paycheck, deductions, withholdings, and tax position with your employer's payroll department, a qualified CPA, the IRS, your state tax authority, or another appropriately qualified professional. Calculations are estimates; your actual paycheck may differ based on factors specific to your employer, location, benefits elections, and personal tax situation.