Pay Raise Calculator
Got a raise or negotiating one? See how much your take-home pay actually goes up after taxes — by percentage or dollar amount, for your state and filing status.
Your raise
Extra take-home pay
+$2,638/ year
+$220/month · you keep 70% of the raise after taxes
A raise is taxed at your marginal rate, so you keep less than the full amount. Estimate for 2026; excludes local taxes and other withholdings.
What a raise really adds
The sticker number on a raise is the gross increase, but taxes take a cut. Since extra income is taxed at your marginal rate, your take-home pay rises by less than the full raise — typically 60–75% of it. Importantly, a raise never reduces your overall take-home pay: the U.S. progressive system taxes only the dollars above each bracket threshold at the higher rate, so earning more always means keeping more.
Frequently asked questions
How much of a raise do you actually keep?
Because a raise is taxed at your marginal rate, you keep less than the full amount. Depending on your bracket and state, you typically take home roughly 60–75% of a raise after federal, state, Social Security, and Medicare taxes. The calculator above shows your exact figure.
Will a raise put me in a higher tax bracket and cost me money?
No. The U.S. uses marginal tax brackets, so only the income above each threshold is taxed at the higher rate. A raise always increases your take-home pay — you never lose money by earning more.
How do I calculate a percentage raise?
Multiply your current salary by the raise percentage. For example, a 5% raise on $75,000 is $3,750, making your new salary $78,750. This tool then estimates how much of that increase you keep after taxes.