Salary Raise Take-Home Impact Calculator
Calculate your true take-home increase from a pay raise after income taxes and potential bracket changes.
See the monthly and annual net impact clearly.
Why Your Raise Feels Smaller Than Expected A 10% raise does not mean 10% more in your pocket. Federal tax, state tax, and FICA (Social Security + Medicare) all take a share of your raise before it reaches your bank account.
Taxes Applied to Your Raise
- Federal income tax: applied at your marginal rate (the rate on the top dollar you earn)
- State income tax: varies widely — 0% in states like Texas and Florida, up to 13% in California
- FICA (employee share): 6.2% Social Security + 1.45% Medicare = 7.65% total
Example Current salary: $65,000 Raise: 8% = $5,200 gross raise Marginal federal rate: 22% State rate: 5% FICA: 7.65% Total tax rate on raise: 34.65% Tax on raise: $5,200 × 34.65% = $1,802 Net annual raise: $5,200 - $1,802 = $3,398 Per biweekly paycheck: $3,398 ÷ 26 = $130.69
Note on Marginal vs. Effective Rate Only the portion of your raise that crosses into a higher bracket gets taxed at the higher rate. This calculator uses a simplified flat marginal rate — actual taxes may differ slightly.
FICA Note Social Security tax phases out above $168,600 (2024). If your salary is already above that threshold, FICA on the raise may be lower. This calculator applies the full 7.65% for simplicity.
How we build and check this calculator
This calculator runs entirely in your browser, so the numbers you enter stay on your device. The math behind it is written by hand and tested against worked examples and standard references before the page goes live.
SuperGlobalCalculator is independently built and maintained. See how we build and verify our calculators.