See your new salary after a raise — and, more importantly, how much of it you actually keep once taxes and inflation take their share.
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To find a raise percentage, divide the increase by your old salary and multiply by 100. A $3,000 raise on a $60,000 salary is 3,000 ÷ 60,000 × 100 = 5%.
The number that matters more is what reaches your bank account. Because a raise sits on top of your existing income, it is taxed at your marginal rate — typically you keep 65–80% of it. A 5% raise rarely means 5% more spending money.
| Current Salary | 3% Raise | 5% Raise | 10% Raise |
|---|---|---|---|
| $40,000 | $41,200 | $42,000 | $44,000 |
| $50,000 | $51,500 | $52,500 | $55,000 |
| $60,000 | $61,800 | $63,000 | $66,000 |
| $75,000 | $77,250 | $78,750 | $82,500 |
| $100,000 | $103,000 | $105,000 | $110,000 |
What is a good annual raise?
Typical US merit increases run about 3–4% a year, roughly tracking inflation. Promotions and job changes usually deliver more — often 10–20%. A raise below the inflation rate is effectively a pay cut in real terms.
Why is my raise so small in my paycheck?
The extra income is taxed at your marginal rate, and Social Security, Medicare, and state tax all apply. Benefit deductions may rise too. Keeping roughly 70% of a raise is normal.
Will a raise push me into a higher tax bracket and cost me money?
No. US tax brackets are marginal, so only the income above the bracket threshold is taxed at the higher rate. A raise always leaves you with more after-tax money than before.
How do I ask for a raise?
Come with market data for your role and location, a written record of your results, and a specific number. Working backwards from the take-home you need — see our net to gross calculator — helps you name a figure with confidence.