Raise Calculator 2026
Enter your salary and your raise, pick your state, and see your new salary and how much more actually lands in each paycheck after taxes.
| New salary | $63,000 |
| Raise before tax | $3,000 |
| Taxes on the raise | -$590 |
| Raise after tax | $2,411 |
| Take-home per paycheck, before | $1,938.08 |
| Take-home per paycheck, after | $2,030.79 |
What a raise is worth after tax
Single filer in Texas (no state income tax), paid every two weeks, no pre-tax deductions, 2026 rules.
| Salary | Raise | Before tax | After tax | Per paycheck | You keep |
|---|---|---|---|---|---|
| $40,000 | 3% | $1,200 | $964 | $37.08 | 80% |
| $60,000 | 3% | $1,800 | $1,446 | $55.63 | 80% |
| $60,000 | 5% | $3,000 | $2,411 | $92.71 | 80% |
| $60,000 | 10% | $6,000 | $4,821 | $185.42 | 80% |
| $90,000 | 5% | $4,500 | $3,166 | $121.76 | 70% |
| $150,000 | 5% | $7,500 | $5,126 | $197.16 | 68% |
Why you keep less of a raise than of your salary
Your whole salary is taxed at an average rate that blends every bracket you pass through. A raise sits entirely at the top, so it is taxed at your highest federal rate, plus 7.65% for Social Security and Medicare and your state's top rate. That is why a raise can feel smaller than the number in the offer letter, even though your take-home pay always goes up.
Putting part of a raise into your 401(k) is a common way to save it before you get used to spending it. The 401(k) paycheck calculator shows what that really costs per paycheck.
Common questions
How much will a raise add to my paycheck?
Less than the raise itself, because the extra pay is taxed at your top rates. A 5% raise on $60,000 is $3,000 a year before tax. In Texas a single filer keeps about $2,411 of it, or $92.71 more per biweekly paycheck.
Will a raise push me into a higher tax bracket and lower my take-home pay?
No. Only the dollars above a bracket's starting point are taxed at the higher rate, so a raise always increases your take-home pay. You keep a smaller share of the raise than of your old pay, but never less money overall.
What share of a raise do I keep?
Most people keep 55% to 80% of a raise. At $60,000 in Texas it is about 80%; in California it is about 73%. Your exact share depends on your federal bracket, Social Security and Medicare (7.65%), and your state and local taxes.
How do I calculate a percentage raise?
Multiply your current salary by the raise percentage. For example, 4% of $55,000 is $2,200, so your new salary is $57,200. For an hourly wage, multiply your hourly rate the same way: 4% of $20 is $0.80, giving $20.80 an hour.
What is a typical raise in 2026?
Salary surveys of large employers put typical 2026 merit raise budgets at roughly 3% to 4%. A promotion or job change usually brings a larger increase.