Your take-home rate is personal. It depends on your withholding, your state, your benefits, and a dozen deductions no app can know in advance. So Clocked does not pretend to know it on day one.
Start with a placeholder
Before you have logged any paychecks, Clocked assumes you keep 75% of gross, or an estimated withholding percentage you set yourself. It is a placeholder, clearly a projection, and only there so the early numbers are not blank.
Then let reality correct it
Each paycheck you log updates a learned take-home rate using a weighted average that leans on your most recent check. The estimate stops being a round number and starts being yours.
It also knows when to ignore a check. A correction or a bonus-heavy paycheck with an implausible net-to-gross ratio is left out of the average, so one strange payday does not quietly skew every projection that follows.
The right take-home rate is not a number you set. It is one your paychecks teach the app.
Two jobs, overtime, and unpaid breaks, kept straight
Real hourly work is rarely one clean wage. Clocked models the messy parts - multiple positions, overtime thresholds, and unpaid breaks - so the math comes out right.
What happens when you log a paycheck
Logging a paycheck is the moment Clocked stops projecting and starts proving. Here is exactly what it does to your shifts when a real check comes in.
Your pay data has no business leaving your phone
What you earn is about as private as data gets. Clocked keeps every shift and paycheck on your device, with no account and nothing to track.