Raise Calculator: What the Increase Is Worth After Inflation
The gross increase, the amount after tax, and the part that survives inflation. Sometimes the third number is negative.
Saturday, Sep 5, 2026
Senior editor, tax and payroll
Marcus edits the tax and paycheck desks, and owns the federal figures every calculator on the site reads from.
Marcus edits everything on this site that turns on a federal or state tax figure: brackets, standard deductions, withholding thresholds, FICA caps and the state rate tables behind the paycheck tools.
His working rule is that a number appears on a page only if it also exists in the data layer with a source and an effective date attached, so an article and the calculator beside it can never disagree.
The gross increase, the amount after tax, and the part that survives inflation. Sometimes the third number is negative.
Taxes The brackets moved. The standard deduction moved. So did the wage base, the IRA limit, and the AMT exemption. Here is all of it in one place.
Salary, bonus, match, insurance and commute, added into one annual figure. Sometimes the higher salary is the worse offer.
Paycheck & Salary Regular Medicare has no ceiling. Above a threshold, it has a floor that gets higher instead.
Taxes You calculate your taxes twice. If the second number is bigger, that is what you owe.
Taxes The 22% is withholding, not what you owe. The difference between those two things is worth hundreds of dollars and it settles in April.
Paycheck & Salary Time and a half above 40 hours, and where states go further.
Paycheck & Salary What an hourly rate is worth over a year, and how it compares to the minimum.
Taxes State rate plus the local one, which is where most of the variation lives.
Taxes What the brackets actually cost you, band by band.
Paycheck & Salary Gross pay is the number in the offer letter. This is the number in the bank.
Paycheck & Salary Social Security tax stops at a ceiling. Medicare does not, and above two thresholds it goes up.
Taxes Sell after a year and the gain has its own rate schedule, with a genuine 0% band underneath it.
Taxes $16,100 for single filers, and most people should just take it.
Taxes Five states charge no sales tax. Louisiana charges more than 10% once local rates are added.
The trade-in credit is worth more than most buyers realise, in most states.
Paycheck & Salary From $7.25 to $18.40, depending entirely on where you work.
Taxes The 7.65% that disappears from every paycheck, and where it stops.
Taxes FreeTaxUSA wins on value by a wide margin: free federal filing with no income cap, including self-employment and rental income. Pay for TurboTax only if you want the guided interview and are willing t
Taxes Seven brackets, from 10% to 37%, and none of them tax all of your income.
Taxes The 22% taken out of your bonus is withholding, not what you actually owe.
Taxes Eight states tax no wage income at all, but they make it up elsewhere.
Pages Marcus Ellery checked against the primary source before publication.