2026 tax year · updated Oct 15, 2026

Pay raise calculator

A raise is taxed at your marginal rates, so you keep less than the headline number. A 5% raise on a $60,000 salary is $3,000 a year before tax and $2,411 after federal, Social Security and Medicare tax in Texas: $93 more per biweekly paycheck in 2026. Enter your salary, raise and state.

Extra take-home pay per paycheck

$93

$2,411 a year: you keep 80.3% of the raise

New salary: $63,000
Raise before tax (5.0%): $3,000
Taxes on the raise: $590
Extra 401(k) contribution: $0
Take-home pay per year: before → after: $50,390 → $52,801
Federal bracket: before → after: 12% → 12%

Federal, Social Security, Medicare and state tax for 2026, standard deduction. Full paycheck breakdown

What a raise adds to your take-home pay

Extra take-home pay per year, single filer in Texas (no state income tax), 2026:

Take-home pay from a raise by salary
Salary	3% raise	5% raise	10% raise
$40,000	+$964 (80% kept)	+$1,607 (80% kept)	+$3,214 (80% kept)
$60,000	+$1,446 (80% kept)	+$2,411 (80% kept)	+$4,821 (80% kept)
$80,000	+$1,688 (70% kept)	+$2,814 (70% kept)	+$5,628 (70% kept)
$100,000	+$2,111 (70% kept)	+$3,518 (70% kept)	+$7,035 (70% kept)
$150,000	+$3,076 (68% kept)	+$5,126 (68% kept)	+$10,253 (68% kept)

Why you keep less than the raise

Federal income tax at your marginal rate, the rate of the highest bracket your income reaches (see the 2026 federal tax brackets).
Social Security and Medicare (FICA): 6.2% and 1.45% of every extra dollar, until your pay passes the $184,500 Social Security wage base.
State and local income tax, at the state's marginal rate. In a state with no income tax, more of the raise reaches you.
A percentage 401(k) contribution grows with your pay; that money is still yours, but it doesn't reach your paycheck.

Moving into a higher bracket never makes you worse off: only the dollars above the threshold pay the higher rate. In the $64,500 to $69,500 example, the raise crosses into the 22% bracket and you still keep 74% of it.

To see your full paycheck at the new salary, use the take-home pay calculator; for a one-time payment, the bonus tax calculator.

Frequently asked questions

How much of my raise will I take home?

It depends on your marginal tax rates. A single filer earning $60,000 in Texas who gets a 5% raise ($3,000) keeps $2,411 a year, 80.3% of it, or $93 more per biweekly paycheck in 2026. In California the same raise leaves $2,192.

Can a raise put me in a higher tax bracket and lower my take-home pay?

No. A higher bracket only taxes the dollars above the bracket threshold at the higher rate. A single filer whose raise takes them from $64,500 to $69,500, past the start of the 22% federal bracket, still keeps $3,718 of the $5,000 raise.

How do I calculate a raise percentage?

Divide the raise by your old salary and multiply by 100. Going from $60,000 to $63,000 is a $3,000 raise, and 3,000 ÷ 60,000 = 5%. Choose "New salary" in the calculator to get the percentage and the take-home effect at once.

What tax rate applies to a raise?

Your marginal rates: the federal bracket your top dollars fall in, plus Social Security (6.2% up to the wage base) and Medicare (1.45%), plus your state rate. On the $60,000 Texas example, taxes take 19.7% of the raise.

Is a raise taxed more than my regular pay?

No. A raise is just higher wages and is taxed the same way. A one-time bonus can be withheld at a flat federal rate, but its real tax on your return is the same as for wages.