Pay Raise Calculator

See how much more you'll take home after a pay raise, with before-and-after tax comparison.

Current Salary
$
Raise Percentage
%

New Annual Salary

$63,000

+$3,000 / per year

After-Tax Impact

Net Raise (Annual)

+$2,326

Net Raise (Monthly)

+$194

Before vs. After
Gross Salary
$60,000$63,000
Federal Tax
$5,168$5,613
FICA
$4,590$4,820
Take-Home Pay
$50,242$52,568
Effective Tax Rate
16.3%16.6%

How the Pay Raise Calculator Works

Enter your current salary and raise percentage to see your new gross salary. The calculator then runs both amounts through the 2026 federal tax brackets and FICA to show your actual take-home increase.

A raise doesn't translate 1:1 to more take-home pay because of progressive taxation. For example, a 10% raise on a $60,000 salary adds $6,000 gross, but only about $4,200 after taxes — because part of the raise may land in a higher tax bracket.

The estimates use federal-only taxes (single filer). For state-specific calculations, use our [salary calculator](/salary-calculator). To see how your raise compounds over time, try the [investment calculator](/investment-calculator).

Frequently Asked Questions

What is a good pay raise percentage?
The average annual raise in the U.S. is 3-5% for merit increases. A promotion typically comes with 10-20%. Anything above 5% without a title change is above average.
Why is my net raise less than my gross raise?
Because of progressive taxation. Your raise may push some income into a higher federal bracket (e.g., from 22% to 24%). Additionally, FICA takes 7.65% off the top. So a $5,000 raise might only add ~$3,500 to your take-home pay.
How do I negotiate a raise?
Research market rates for your role using salary surveys. Document your achievements and impact. Ask during performance reviews or after completing a major project. Present a specific number rather than a range.
Should I negotiate salary or benefits?
Consider both. Sometimes benefits like 401(k) matching, extra PTO, or remote work flexibility can be worth more than a small salary bump. Use this calculator to quantify the salary portion.