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Pay Raise Calculator

A “$3,000 raise” isn't $3,000 in your pocket. Work out the real after-tax value of your raise — per month and per paycheck — using 2026 federal brackets, FICA, and your state.

Pay Raise Calculator

Enter your raise as a percent, an amount, or a new salary — see the after-tax difference.

2026
$
%

Raise after taxes per month: $208

Your raise is worth, after taxes
+$2,491 a year · you keep 80% of the raise
New salary
$65,100
Raise (gross, annual)
+$3,100 (5.0%)
Net gain per biweekly check
+$96
Take-home before → after
$51,997 → $54,488
New effective tax rate
16.3%
Net raise per month
+$208

Estimates only. Not tax or legal advice. Consult a professional.

What a raise is worth, net per month

Single filer, federal + FICA only. Click a salary for its full page.

Current salary+3%+4%+5%+10%
$45,000+$90/mo+$121/mo+$151/mo+$301/mo
$60,000+$121/mo+$161/mo+$201/mo+$402/mo
$75,000+$132/mo+$176/mo+$220/mo+$440/mo
$100,000+$176/mo+$235/mo+$293/mo+$586/mo

Does your raise beat inflation?

The benchmark

Employer merit budgets hover around 3.5–4% for 2026, and the Social Security COLA landed at 2.8%. A raise below inflation is a pay cut in real terms.

Think marginal, net

The raise itself is taxed at your marginal rate — it never drags the rest of your pay into a higher bracket. When negotiating, convert the offer to net dollars per month: that's the number that changes your day-to-day.

Negotiate the package

If the percent is capped, negotiate the rest: 401(k) match (pre-tax money), a signing bonus, extra PTO, or remote work — which can even change your tax state.

Salary → hourly$60,000$75,000Compare statesOvertime calculatorGross-up calculator1099 tax calculator

Pay raise FAQ

How much is a 5% raise on $60,000?
A 5% raise on $60,000 is $3,000 gross per year ($250/month). After federal tax and FICA, a single filer sees ~$201 more per month (~80% of the raise). With state tax it's a bit less — run the calculator with your state.
How much of my raise will I actually see?
Every dollar of the raise is taxed at your marginal rate (federal bracket + FICA + state), not your average rate. For most mid-range salaries that means keeping roughly 65%–75% of the raise. Your existing pay never gets taxed more because you got a raise.
Is a 3% raise good in 2026?
A 3% raise sits slightly below typical merit-increase budgets (~3.5–4% for 2026) and just above the 2.8% Social Security COLA. If inflation outpaces your raise, it's a real-terms pay cut — a solid argument in negotiation.
What is a 10% raise on $75,000?
A 10% raise on $75,000 is $7,500 gross a year — the new salary is $82,500. After federal tax and FICA that's ~$440 extra per month for a single filer.

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