Paycheck · 2026
Calculations run in your browser
Enter your current pay and your new pay. We'll show how much more lands in your account each paycheck and each month, using 2026 federal and state rules, with the math and sources one tap away.
These are paycheck withholding estimates. Your annual tax bill can be different. Learn why.
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Raise guide
A raise is taxed at your top rates: federal income tax withholding, 7.65% for Social Security and Medicare (Social Security stops at $184,500 of wages in 2026), and state income tax where it applies. Pre-tax 401(k) contributions lower the income tax part.
Educational estimate for tax year 2026, not tax advice. Figures last checked .
This page shows paycheck withholding, the IRS Pub 15-T method your employer uses. Your annual tax liability on your return can differ: the 0.9% Additional Medicare tax is withheld over $200,000 for everyone but owed over $250,000 if you're married filing jointly, and the 2025-law tips, overtime and senior deductions are annual tax only unless you file a new W-4.
Local taxes that aren't modeled (for example Pennsylvania local earned income tax and the Local Services Tax outside Philadelphia) are labelled "not included" and left out, never shown as $0. Married filing separately, W-4 Step 2 and Step 4 entries, bonuses and credits aren't modeled. Graduated-bracket states use one planning rate and are labelled approximate.
Each extra dollar of pay also raises federal income tax withholding, Social Security, Medicare and, in most states, state income tax withholding. The math table shows how much of the raise each one takes.
It's paycheck withholding: what your employer takes out each check. Your annual tax bill on your return can be different, for example because of credits, other income, or the 2025-law tips, overtime and senior deductions.
Employers withhold an extra 0.9% Medicare tax on wages over $200,000 for every filing status. Your year-end Additional Medicare tax depends on filing status ($250,000 married filing jointly) and can differ.
Sources: IRS Pub 15-T (2026), SSA contribution and benefit base, IRS Topic 560, and state withholding guides linked in the math table.
