A 5% raise doesn’t add 5% to your paycheck. See the real after-tax increase in your take-home pay — per year and per paycheck — for 2026.
See what a raise actually adds to your paycheck — after taxes, not just on paper.
Take-home uses 2026 federal, FICA, and state tax, standard deduction, no pre-tax deductions. Your exact figure depends on 401(k)/health elections.
Your raise is quoted in gross dollars, but taxes come out before it reaches you. Federal income tax, Social Security (6.2%), Medicare (1.45%), and state tax all apply to the new money — so you keep only part of the headline number. On most raises, workers take home roughly 65–80% of the gross increase, depending on their bracket and state.
A raise is taxed at your marginal (top) rate, which is higher than your average rate — that’s why the percentage you keep on the raise is lower than the percentage you keep on your whole salary. It does not mean a raise ever leaves you with less money overall; only the new dollars are taxed at the higher rate.
Because you were already living on the old take-home, the after-tax raise is prime savings fuel. Directing even part of it into a 401(k) (pre-tax) both builds retirement savings and lowers your taxable income — softening the tax bite the calculator shows.
Model your full paycheck with deductions →
Typically 65–80% of the gross increase, because raises are taxed at your marginal rate plus FICA and any state tax. The calculator shows your exact keep-rate.
For a percentage raise, multiply your current salary by (1 + raise% / 100). For a flat raise, add the dollar amount. The calculator also converts it to after-tax take-home per paycheck.
No. Only the income above each bracket threshold is taxed at the higher rate, so a raise always increases your take-home — just not by the full gross amount.
A 5% raise on $65,000 is $3,250 gross per year; after taxes you keep roughly two-thirds to three-quarters of that. Enter your state and status above for the exact figure.
Salary take-home calculator · Net-to-gross calculator · Take-home by state · How much tax is taken out