Individual skill

pay-stub-decoder

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.

skills/pay-stub-decoder/SKILL.md

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Nov 9, 2026
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MIT

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# Pay Stub Decoder Skill

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.

## What This Skill Produces

- **Line-by-line decode** — every earning, tax, and deduction in plain English
- **The waterfall** — gross → taxes → pre-tax deductions → post-tax → net, with percentages
- **The error checklist** — run against the user's stated situation, discrepancies flagged
- **Payroll fixes** — what to raise, with the wording

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