Pay Raise Calculator
See how much of a raise reaches your paycheck after federal, payroll and state taxes and a 401(k).
Free · No sign-up · Your inputs stay in your browser
Your numbers
See what the raise leaves you
Your projection
$156 more a month
Gross raise
$2,600
Take-home raise
$1,876
Share you keep
72.2%
Extra 401(k) saving
$130
2026 federal brackets. Decide where the raise goes before the first bigger paycheck arrives; raising the 401(k) rate by part of the raise is the version you never feel.
About this tool
Method, assumptions, practical next steps, and limits.
Plan the raise before it arrives
A raise that is not assigned gets absorbed by spending within a few months. Knowing the monthly figure makes it easy to decide in advance.
How the calculation works
The tool runs the same take-home calculation twice, once at your current salary and once after the raise, and subtracts. A 4% raise on $65,000 is $2,600 gross. After federal tax at the marginal rate, 7.65% payroll tax, a 5% 401(k) contribution and 4% state tax, roughly $1,876 reaches take-home pay, about $156 a month.
The bracket myth
Moving into a higher bracket taxes only the dollars above the threshold at the higher rate. A raise always leaves you with more money, except in rare cases where an income-tested benefit or credit phases out.
