Free calculator · 2026
Real Raise Simulator
See exactly how much a salary increase puts in your pocket after federal tax, FICA, and marginal rates. No surprise — just math.
Your Salaries
$
$
That's a 20.0% raise (+$15,000 gross)
Uses 2026 federal tax brackets + standard deduction. FICA: SS 6.2% (up to $176,100) + Medicare 1.45%. State tax not included — results are federal only. Not financial advice.
You Actually Keep
$10,553
out of $15,000 extra gross — 70.3%
You keep 70.3%Tax takes 29.6%
Full Breakdown
Extra Gross$15,000
Federal Tax on Raise$3,300
FICA on Raise$1,148
Extra Net Pay$10,553
Marginal Tax Rate22.0%
Current Effective Rate18.5%
New Effective Rate20.3%
Current Net / Year$61,149
New Net / Year$71,701
New Net / Month$5,975
New Net / Biweekly$2,758
Negotiation tip: Your marginal rate is 22.0%, meaning the government takes 22.0% of every dollar you negotiate above your current salary. Negotiating from $75,000 to $80,000 would net you $3,518 extra per year. Check your P75 target →