Salary Increase Calculator — Raise Percentage to New Salary & Take-Home 2026

Salary Increase Calculator

Enter your current salary and the raise you've been offered to see your new gross salary, the dollar increase, and — crucially — how much extra take-home pay actually reaches your paycheck after tax.

● New salary instantly ● After-tax raise ● 2026 IRS data

📈 Your raise

Raises & take-home

What a raise really adds to your paycheck

A raise looks bigger on the offer letter than it feels in your bank account, because the extra income is taxed at your marginal rate — the rate on your top dollars — plus FICA. Understanding the gap between the headline raise and the after-tax raise helps you judge whether an offer is as good as it sounds.

Gross raise vs. net raise

Say you earn $60,000 and get a 5% raise. Your gross salary rises by $3,000 to $63,000. But that $3,000 is taxed: a single filer in the 22% federal bracket pays about $660 in income tax and $230 in FICA on it, so the net raise is closer to $2,100 — roughly 70% of the headline number. The calculator above shows this split for your exact figures.

Raise on $60,000	New gross	Approx. net raise/yr
3%	$61,800	~$1,260
5%	$63,000	~$2,100
10%	$66,000	~$4,200
15%	$69,000	~$6,300

Single filer, 2026 federal brackets and FICA, no state tax. Your state tax reduces the net raise further.

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Beat inflation first: If consumer prices rose 3% and your raise is 3%, your real buying power is flat. A raise only grows your standard of living when it exceeds inflation.

The marginal-rate myth

A persistent fear is that a raise can "bump you into a higher bracket" and leave you worse off. It can't. The US system is progressive — only the dollars above each threshold are taxed at the higher rate. A raise always increases your take-home pay; it simply doesn't increase it by the full gross amount.

Negotiating with the net number in mind

When you weigh a counteroffer or a competing job, compare after-tax figures, especially across state lines. A 10% raise that comes with a move to a higher-tax state may deliver less net gain than it appears. Use this tool alongside our state take-home pages to see the full picture.

Salary increase calculator FAQ

How do I calculate my salary after a raise?

Multiply your current salary by (1 + raise percent ÷ 100). For example, a 5% raise on $60,000 is $60,000 × 1.05 = $63,000. This calculator does that instantly and also shows the extra take-home pay after federal tax and FICA, since a raise is partly taxed.

How much of a raise do I actually keep?

Not all of a raise reaches your bank account. The extra income is taxed at your marginal rate plus FICA, so a 22%-bracket worker keeps roughly 70 cents of each raise dollar at the federal level, before any state tax. This tool shows your estimated after-tax raise.

What is a good annual raise percentage?

Typical US merit raises run about 3% to 5% a year, roughly tracking inflation plus a small real increase. Promotions or job changes often deliver 10% to 20%. Comparing the percentage to inflation tells you whether your real buying power actually grew.

Does a raise push me into a higher tax bracket?

Only the portion of your income above the next bracket threshold is taxed at the higher rate — never your whole salary. So a raise always leaves you with more take-home pay, even if part of it is taxed at a higher marginal rate.