Raise Tax Impact Simulator (2026)
Enter your current income, filing status, and raise amount to see the exact federal tax impact and your true after-tax gain. Built on the 2026 IRS brackets and standard deduction.
Taxable income is gross minus the standard deduction. The raise is taxed at your marginal rate — only the dollars above each bracket threshold move to the higher rate. You cannot lose take-home pay through the bracket structure alone.
Not tax, legal, or financial advice
FiscTalk provides general educational information from public sources. Your tax results depend on the full set of facts, your filing history, and the jurisdiction-specific rules that shift yearly. Before filing or making decisions, consult a licensed CPA, EA, or attorney. FiscTalk is not a fiduciary and is not affiliated with the IRS or any state agency.
Sources & methodology
- IRS — Tax inflation adjustments for tax year 2026 (Rev. Proc. 2025-32) — Internal Revenue Service
- IRS Pub. 15 (Circular E), Employer’s Tax Guide 2026 — Social Security wage base $184,500 — Internal Revenue Service
- IRS Pub. 15-T (2026), Federal Income Tax Withholding Methods — Internal Revenue Service
- IRS Form 1041-ES (2026) — capital gains rate thresholds — Internal Revenue Service
- OBBBA (One Big Beautiful Bill Act), Pub. L. 119-21 — SALT, estate, QBI, QSBS, senior deduction — Internal Revenue Service
What this tool does
How to use it
- 1Enter your current gross annual income and filing status.
- 2Enter the raise amount you are considering.
- 3The calculator computes federal income tax before and after, then shows your extra take-home pay.
Worked examples
Run the same scenario through the calculator above to verify every number — they come from the same sourced dataset.
Single, $60,000 + $5,000 raise
Single, $90,000 + $10,000 raise
What this tool does not cover
- Federal income tax only — no state or local income tax included.
- Does not model FICA (Social Security and Medicare).
- Does not model credit phase-outs (EITC, CTC) that can make a raise effectively costly.
- Does not account for changes to W-4 withholding settings.