GetNetWageWhat would a raise add to your take-home?
Compare current and new pay after estimated annual taxes and benefit deductions.
Compare two alternatives for one earner under 2026 rules. Each state is both the residence and work state for that alternative; cross-state commuting and local income taxes are excluded.
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New pay: $3,197 more estimated take-home a year
$123 more every two weeks, averaged from annual tax.
Gross pay changes by 10%. After the monthly costs entered, New pay leaves $266 more cash per month. Costs set to zero are not included.
This estimates annual liability, not W-4 withholding or a promised paycheck. No spouse income, dependents, tax credits, local taxes, employer match or stock compensation. A tax/cost difference does not decide which place or job is better for you.
Current pay — West Virginia: State sources and verification notes. Qualified overtime premium $0; deduction $0. $0 of retirement saving is Roth. Full calculation.
New pay — West Virginia: State sources and verification notes. Qualified overtime premium $0; deduction $0. $0 of retirement saving is Roth. Full calculation.
| Item | Current pay | New pay | Difference |
|---|---|---|---|
| Gross pay / year | $42,000 | $46,200 | $4,200 |
| Federal income tax / year | $2,860 | $3,364 | $504 |
| Social Security and Medicare / year | $3,213 | $3,534 | $321 |
| State tax and payroll contributions / year | $1,107 | $1,284 | $177 |
| Employee retirement saving / year | $0 | $0 | $0 |
| Health premiums / year | $0 | $0 | $0 |
| Estimated take-home / year | $34,821 | $38,018 | $3,197 |
| Average take-home / selected pay period | $1,339 | $1,462 | $123 |
| Average take-home / month | $2,902 | $3,168 | $266 |
| Entered living costs / month | $0 | $0 | $0 |
| Cash after entered costs / month | $2,902 | $3,168 | $266 |
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Read the difference in context
Retirement saving reduces spendable cash, but remains your saving. Pretax and Roth contributions affect income tax differently. Health premiums here are employee Section 125 deductions, not a valuation of the plans' coverage. Enter costs once: living costs should exclude retirement and payroll health deductions already in the calculation.
An hourly scenario uses the paid weeks you enter and time-and-a-half for hours above 40. Eligibility controls the federal overtime deduction, not the overtime pay rate. Salary means the total annual amount entered. A midyear raise needs separate before/after earnings for that year; this comparison shows two full-year alternatives.
Annual totals are averaged into Every two weeks periods. Real payroll rounding, pay dates and withholding can differ. Calculation methods · Build a budget from take-home.
Sources and assumptions
Tax year 2026. Annual tax for one earner with no dependents, other income or credits; 52 paid weeks unless changed in the calculator. Hourly earnings assume time-and-a-half after 40 hours. The overtime deduction requires qualifying FLSA premium. Local income taxes are not included. How we calculate.
- Schedule 1-A Part III: overtime cap before whole-$1,000 phaseout steps; August 2026 eligibility and withholding guidance. Checked September 27, 2026; recheck when the final 2026 form is issued.
- IRS 2026 employee contribution limits; catch-up and Roth rules. Retrieved September 27, 2026.
- IRS Revenue Procedure 2025-32: federal brackets and standard deduction (retrieved 2026-09-26)
- Social Security Administration: 2026 wage base; IRS: Medicare and Additional Medicare Tax