Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Net raise (take-home increase)
$3,268
Tax taken from raise
$1,733
Combined marginal rate
34.7%
Psst — share this and help Rex grow
One click, a permanent link with your numbers baked in.
How to use this
- 1Enter annual raise amount ($).
- 2Enter your federal marginal tax bracket.
- 3Enter state marginal tax rate (%).
- 4Read your net raise (take-home increase) on the right — it updates as you type.
- 5Hit Share to keep the scenario or send it to someone.
About this calculator
A raise is taxed at your marginal tax rate — the rate on your highest dollar of income — not your average tax rate, since the new income stacks on top of what you already earn. This calculator applies your combined marginal rate (federal bracket + FICA + state) to your raise to show the real take-home increase.
Worked example
Using the values the calculator loads with:
Inputs
- Annual raise amount: 5000 $
- Your federal marginal tax bracket: 22%
- State marginal tax rate: 5 %
Results
- Net raise (take-home increase): $3,268
- Tax taken from raise: $1,733
- Combined marginal rate: 34.7%
What each field means
Inputs
- Annual raise amount ($)
- The annual raise amount used in the calculation, measured in $. Starts at 5000 $ so you have a working example on load.
- Your federal marginal tax bracket
- Pick the option that matches your situation — the maths changes per option. Choices: 12%, 22%, 24%, 32%, 35%.
- State marginal tax rate (%)
- The state marginal tax rate used in the calculation, measured in %. Starts at 5 % so you have a working example on load. Accepted range: 0–13 %.
Results
- Net raise (take-home increase)
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Tax taken from raise
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Combined marginal rate
- Returned as a percentage. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How much will my raise be after tax?
A $5,000 raise at a 22% federal bracket, 5% state rate, and 7.65% FICA (34.65% combined) nets about $3,268 in real take-home increase, with $1,733 going to taxes.
Why does my raise feel taxed more than my regular pay?
Your raise stacks on top of your existing income and is taxed at your marginal bracket — the rate on your highest dollar earned — which is typically higher than the average (effective) rate across your whole paycheck.
Does a raise ever push me into a higher tax bracket entirely?
Only the portion of income that crosses into the new bracket is taxed at the higher rate — U.S. brackets are marginal, so a raise never reduces your take-home pay overall even if part of it lands in a higher bracket.
Should I adjust my 401(k) contribution after a raise?
Many people bump 401(k) contribution percentage with a raise since the change is barely felt in take-home pay but meaningfully boosts long-term retirement savings, especially if it captures additional employer match.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
How Much Will I Take Home After Tax?
On a $70,000 salary with standard deductions, estimated take-home pay is roughly $54,600 a year, or about $4,550 a month.
How Much Tax Will I Owe on a Bonus?
A $5,000 bonus withheld at the IRS supplemental flat rate of 22% federal plus 7.65% FICA has about $1,483 withheld, leaving $3,517.
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). How Much Will My Raise Be After Tax?. Retrieved from https://www.revenuelab.fyi/toolbox/how-much-will-my-raise-be-after-tax
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/how-much-will-my-raise-be-after-tax" target="_blank" rel="noopener">How Much Will My Raise Be After Tax? — RevenueLab</a> (2026).</p>
Source: [How Much Will My Raise Be After Tax? — RevenueLab](https://www.revenuelab.fyi/toolbox/how-much-will-my-raise-be-after-tax) (2026).