Financial Tools for the Bravestby John Traut Book a free call
Tools for FDNY families

The money questions that come up on the job.

Eighteen plain-English calculators built around how the job actually works — your paycheck, your pension, your VSF, and the everyday decisions in between. Free to use, nothing stored or sent. A companion to the planning work of John Traut, Financial Advisor.

Tier 2 PensionDeferred compRetirement gap College 529Roth vs. TraditionalLife / DIME

Paycheck Estimator

Project a two-week check from your base pay, logged overtime, and deductions.

Log your overtime

Deductions

OT hourly rate$78
OT hours (straight)6 hr
Awaiting reliefs (2 × 45 min)1.5 hr
Portal-to-portals (1 × 1.5 hr)1.5 hr
Total OT hours9 hr
OT pay$700
Base pay$4,150
Gross this period$4,850
Est. tax (32%)−$1,552
Est. net$3,298

FDNY overtime: Awaiting relief pays as 45 minutes of OT; a portal-to-portal (recall/detail travel) pays as 1.5 hours. All OT here is figured at your OT hourly rate (about 1.5× your regular hourly rate).

Rough estimate — tax and deferred-comp % are flat approximations and don't account for pension, dues, FICA, or bracket changes. Confirm your OT rate and rules against your contract and pay stub.

Have questions about any of this or want a new feature or improvement?

These tools are a starting point. For planning tailored to your situation — your FDNY pension, VSF, and what comes next — reach out to John D. Traut, financial advisor with J.M. Franklin & Company, LLC:

Call 347-342-2419jtraut@jmfranklincompany.com

Prefer to schedule? Book a free call →

Contacting a professional is your choice. Reaching out does not create any client relationship until separately established in writing.

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Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Stratos Wealth Partners, a registered investment advisor. Stratos Wealth Partners and J.M. Franklin & Company, LLC are separate entities from LPL Financial.

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Important — please read

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment, tax, or legal advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

For educational and informational use only. These calculators are simplified tools to help you explore general concepts. They are not financial, investment, tax, insurance, legal, or accounting advice, and are not a recommendation or offer to buy, sell, hold, roll over, or replace any product, security, or strategy.

No guarantee of accuracy. All results are estimates based on the figures you enter and simplified formulas. Tax rates and rules change and may not reflect your situation. Investment returns shown are hypothetical, are not guaranteed, and do not account for fees, taxes, inflation, or market loss. Past performance does not indicate future results.

No reliance. Do not rely on these outputs to make financial decisions. Your personal circumstances — including your FDNY pension, VSF rules, and survivor benefits — materially affect outcomes. Consult qualified, licensed professionals before acting.

This site is an independent tool and is not affiliated with, endorsed by, or sponsored by the City of New York or the Fire Department of the City of New York.