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FPC & CPP · Payroll Reference · AI Assistant

The Only Payroll
Tool You Need.

Study for the FPC or CPP exam, look up 2026 payroll rates, and run real payroll calculations — all in one tool. $19.99/month.

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7-day free trial · No credit card required · Cancel anytime

CPP
Question bank reviewed by a certified professional CPP & SHRM certified · Built for the 2026 exam cycle
1,160+
Exam Practice Questions
6+
On-the-Job Tools
7
Domains Covered
$19.99
Everything Included
Who It's For

For everyone who touches payroll

Studying for a credential, already certified, or just doing the work -- PrepToPay has something useful for you right now.

📋

FPC Candidates

No experience required. 460+ practice questions across all 7 domains, timed mock exams, and plain-English explanations so you understand the material, not just the answer.
🏆

CPP Candidates

The CPP demands real depth. The question bank follows the 2026 KSA framework and was reviewed by a CPP-certified professional. Built to match what the exam actually tests.
💼

Payroll Professionals

No certification required to get value here. The 2026 rate card, gross-up and garnishment calculators, deposit schedule, compliance calendar, and AI assistant are useful tools for anyone working in payroll.
What's Inside

Exam prep and a reference desk in one place.

Every tool pulls double duty. Useful while you study, and still useful when you are back at your desk on Monday.

📝

Practice Quiz Engine

Randomized 50-question sessions, full mock exams, domain drills, and weak spot targeting. Full explanations on every question so you understand the why, not just the answer.
🃏

Flashcard Deck

500 cards with flip animation, Got It / Still Learning tracking, and domain filters. Your weakest areas rise to the top automatically.
💵

2026 Rate Card

FICA rates, FUTA, retirement contribution limits, FSA and HSA caps, state SDI, and more. All updated for the current tax year.
🧮

Payroll Calculators

Gross-up, garnishment, and deposit schedule tools. Useful for checking your work on the job and for walking through exam scenarios.
🤖

AI Payroll Assistant

Ask any payroll question and get a clear answer instantly. Handles exam concepts and real calculations — gross-to-net, overtime, garnishments, tax withholding, fringe benefits, and more. Powered by Claude.
🔄

FPC + CPP in One

Switch tracks without logging out. One subscription gets you both exams, all tools, and the full question bank. No separate plans, no extra cost.
Inside PrepToPay

See it in action

A clean, focused tool built for payroll professionals -- whether you are studying or working.

Practice quiz screen
Quiz Mode
Flashcard screen
Flashcards
Study tools overview
Study Tools
Rate card and reference tools
Rate Card
AI payroll assistant
AI Assistant
Pricing

One price. No surprises.

$19.99 a month gets you both tracks, all tools, and everything we add going forward. Less than one hour of overtime pay.

The nearest alternative starts at $750. PrepToPay is $19.99/month.

$
19.99
/ month
7-day free trial · No credit card required
  • 1,160+ FPC and CPP practice questions
  • Full mock exam with timer + domain drills
  • 500-card flashcard deck with tracking
  • 2026 rate card, calculators and compliance tools
  • AI payroll assistant
  • Switch between FPC and CPP anytime
Start Free Trial →

Cancel anytime · No contracts · No hidden fees

From Payroll Pros

What payroll professionals are saying

"The domain drill feature is exactly what I needed. I could tell within an hour which areas I was weak on and focus there instead of just grinding through every question."

FPC Candidate · Healthcare Payroll

"I use the rate card and gross-up calculator at work every week now. It's the tool I didn't know I needed until I had it."

CPP Certified · Multi-State Payroll

"I passed my FPC and kept the subscription. The rate card and calculators are faster than anything else I have open at my desk."

FPC Certified · Payroll Specialist
FAQ

Common questions

What is the difference between FPC and CPP? ⌄
The FPC (Fundamental Payroll Certification) is the entry-level credential and requires no prior payroll experience. The CPP (Certified Payroll Professional) requires at least 3 years of payroll experience and covers more advanced topics including multistate taxation and systems. PrepToPay includes both tracks under one subscription.
How does the 7-day free trial work? ⌄
Create an account and you get 7 days of full access to everything in PrepToPay with no credit card required. After the trial, you can subscribe for $19.99 a month to keep your progress and continue studying. Cancel any time before the trial ends and you will not be charged.
Is the question bank updated for the 2026 exam? ⌄
Yes. The CPP question bank is built on the 2026 PayrollOrg KSA framework and reviewed by a CPP-certified professional. The FPC bank covers all 7 domains with 460+ questions. We update rates and regulatory content as changes are published.
Can I use PrepToPay on my phone? ⌄
Yes. PrepToPay is fully mobile-responsive. Open it in any browser on your phone, tablet, or computer. No app download required.
What if I am not pursuing a certification? Is PrepToPay still useful? ⌄
Yes, and you do not need a certification at all to find value in PrepToPay. The 2026 rate card, gross-up calculator, garnishment calculator, deposit schedule, and compliance calendar are practical tools that anyone working in payroll can use on the job. Many subscribers are not pursuing a credential -- they use PrepToPay purely as a reference tool.
How do I cancel? ⌄
You can cancel any time from your account settings. There are no cancellation fees and no contracts. If you cancel during the free trial you will not be charged at all.
Get Started

The payroll tool that works before, during, and after the exam.

Exam prep, reference tools, and an AI payroll assistant -- one subscription, no certification required to get value on day one.

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$19.99 / month after trial · Cancel anytime

Stay Current

Exam tips. Rate updates. Free.

New payroll rates drop every year. We'll send updates when they do, plus FPC and CPP exam tips you can actually use.