Pay Raise Take-Home Calculator

Estimate the increase you actually keep

Enter your proposed hourly raise and hours worked. Adjust the assumed tax rates for the extra earnings. This is a simplified comparison, not a tax return or official withholding calculation.

The default payroll-tax rate combines 6.2% Social Security and 1.45% Medicare. Actual payroll taxes can differ because of wage limits and additional Medicare tax.

A marginal tax rate is not the same as the average rate on all income. This estimate does not model brackets, credits, benefits cliffs, withholding rules, retirement contributions, or employer benefits.

Understand the result

First compare gross additional pay with the estimated amount after taxes. Then subtract expenses required to earn the raise. If your income affects assistance or subsidies, investigate those programs separately before making a decision. Read Pay Raises & Taxes for the weekly-paycheck example and what happens when you file your annual return.