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Got a 5% raise? See how much you actually keep. Taxes cut into every raise—federal, state, and FICA. This calculator shows your real after-tax amount by state, paycheck impact, and inflation-adjusted gain. No signup.
Gross Raise
$4,000
After Tax
$2,442
Biweekly
$93.92
Real (3% inflation)
1.94%
A 5% raise on $80,000 = $4,000 gross, $2,442 after tax (~$93.92/paycheck biweekly).
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Same $80K salary, 5% raise ($4K gross), single filer. State tax changes how much you keep:
California
$2,442 after tax
~38.95% marginal
Texas (no state tax)
$2,814 after tax
~29.65% marginal
Florida (no state tax)
$2,814 after tax
~29.65% marginal
No-income-tax states (TX, FL, NV, WA, WY) leave $372+ more in your pocket on the same gross raise.
$2,500 gross → $2,008.75 after tax. ~$77.26/paycheck biweekly.
$6,000 gross → $4,491 after tax. ~$172.73/paycheck biweekly.
New gross salary
$84,000
Gross raise amount
$4,000
Raise after tax
$2,442
Marginal tax rate applied
38.95%
Monthly increase
$203.5
Biweekly increase
$93.92
Weekly increase
$46.96
Real raise (2.7% inflation)
2.24%
Your raise is worth $94 per paycheck (biweekly).
With 2.7% inflation, your real raise is 2.24%.
FinCalc AI
FinCalc AI
Suggested questions:
| Raise % | On $50,000 | On $75,000 | On $100,000 | On $150,000 |
|---|---|---|---|---|
| 2% | $1,000 | $1,500 | $2,000 | $3,000 |
| 3% | $1,500 | $2,250 | $3,000 | $4,500 |
| 5% | $2,500 | $3,750 | $5,000 | $7,500 |
| 10% | $5,000 | $7,500 | $10,000 | $15,000 |
| 15% | $7,500 | $11,250 | $15,000 | $22,500 |
| Raise % | On $50,000 | On $75,000 | On $100,000 | On $150,000 |
|---|---|---|---|---|
| 2% | $750 | $1,125 | $1,500 | $2,250 |
| 3% | $1,125 | $1,687.5 | $2,250 | $3,375 |
| 5% | $1,875 | $2,812.5 | $3,750 | $5,625 |
| 10% | $3,750 | $5,625 | $7,500 | $11,250 |
| 15% | $5,625 | $8,437.5 | $11,250 | $16,875 |
If inflation exceeds your raise, your purchasing power drops. A 3% raise with 5% inflation = a real pay cut. Employers often project 3.5–4% raises for 2026; aim for at least inflation-matching to stay flat. The calculator's "real raise" line shows your inflation-adjusted gain.
5% of $80,000 = $4,000 gross. After federal, state, and FICA taxes (marginal rate ~28–32% in most states), your after-tax raise is roughly $2,700–$2,900. Use the calculator for your exact state and filing status.
3% of $60,000 = $1,800 gross. After taxes (marginal rate ~25–30% for that income range), you keep about $1,250–$1,350 after tax—around $48–$52 per biweekly paycheck. State matters: no-income-tax states leave more.
Your raise is taxed at your marginal rate—the rate on your last dollar of income. Federal income tax, state tax (where applicable), and FICA (Social Security + Medicare) all apply. A 25% marginal rate means 75% of the raise stays in your pocket.
If you get a 5% raise but inflation is 3%, your real (purchasing-power) gain is only ~2%. The calculator shows the inflation-adjusted real raise rate so you can see whether your pay is actually growing.
States without income tax (TX, FL, NV, etc.) leave more of your raise after tax. High-tax states (CA, NY, NJ) apply state marginal rates that can reduce a $4K gross raise by $200–$400 or more.
To maintain purchasing power, your nominal raise should at least match inflation. At 3.5% inflation, a $70,000 salary needs to become about $72,450 to stay flat in real terms. Any raise below inflation is a real pay cut.
U.S. employers typically project 3.5–4% raises for 2026. A 5% raise is above average and—if inflation stays around 2.5–3%—gives you real income growth. Use the calculator to see your after-tax gain.
Depends on your marginal tax rate (federal + state + FICA). At ~30%, you keep about $3,500 after tax. At ~25% (e.g., no state tax), you keep roughly $3,750. The calculator shows your exact amount by state and filing status.
Only the amount above the bracket threshold is taxed at the higher rate—not your entire income. A small raise rarely changes your effective rate much. The calculator uses marginal rates for the raise amount only.
After ~28% combined taxes, you need about $139 gross raise per paycheck (biweekly) to net $100. That’s roughly $3,600/year gross. Use the calculator: enter your salary and adjust the raise until you hit the desired net increase.
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