Getting a raise is great — but the headline number is gross, not what you take home. Income tax and FICA take a cut of every extra dollar, and part of your raise may be taxed at a higher marginal rate. This raise calculator compares your take-home pay before and after, so you know the real monthly and yearly increase before you adjust your budget.
Raise Calculator
A 5% raise doesn't mean 5% more in your pocket. See how much of your pay increase you actually keep after 2026 taxes.
Raise
%
Your raise, after taxes
+$201/ month take-home
+$2,411 more take-home per year · you keep 80% of the raise
- New gross salary
- $63,000
- Gross raise
- +$3,000
- Lost to taxes
- −$590
- Take-home raise
- +$2,411/yr
Compares annual take-home before and after the raise using 2026 federal, state, and FICA taxes. A raise can push part of your income into a higher bracket, so you keep less than 100% of it.
Frequently asked questions
How much of a raise do I actually keep?+
Because a raise is taxed at your marginal rate (and can push part of your income into a higher bracket), you typically keep 60–80% of a raise after federal, state, and FICA taxes. Enter your numbers above to see your exact kept percentage.
Will a raise put me in a higher tax bracket and cost me money?+
No — the U.S. uses marginal brackets, so only the portion of income above each threshold is taxed at the higher rate. A raise always increases your take-home pay; you just keep less than the full amount.
How do I calculate my take-home raise?+
Compare your annual take-home pay before and after the raise. The difference is your real raise. This calculator does exactly that using 2026 tax tables for your state and filing status.