4% Raise Calculator
See exactly how a 4% raise affects your salary — from annual down to each paycheck. A 4% raise is generally considered average.
How Much Is a 4% Raise?
Here's what a 4% raise looks like at different salary levels:
| Current Salary | Raise Amount | New Salary | Per Paycheck |
|---|---|---|---|
| $30,000 | +$1,200 | $31,200 | +$46.15 |
| $40,000 | +$1,600 | $41,600 | +$61.54 |
| $50,000 | +$2,000 | $52,000 | +$76.92 |
| $60,000 | +$2,400 | $62,400 | +$92.31 |
| $75,000 | +$3,000 | $78,000 | +$115.38 |
| $100,000 | +$4,000 | $104,000 | +$153.85 |
Per paycheck = biweekly (26 pay periods/year), before taxes.
Is a 4% Raise Good in 2026?
Yes — a 4% raise in 2026 is slightly above average. It beats the 3.3% CPI-U inflation rate (BLS) and sits at the top of typical employer merit budgets (~3.5%, Mercer), giving modest real income growth. It is a solid result, though promotions and top performers usually warrant more.
A 4% raise is slightly above the US average and beats the 3.3% inflation rate (BLS, March 2026), giving about 0.7% in real purchasing-power growth. It sits at the top of typical 2026 employer merit budgets (~3.5%, Mercer), so it edges ahead of most employees — though top performers usually negotiate higher.
Weighing a 4% raise against another offer? Compare both raises side by side to see the exact difference in annual salary, monthly income, and estimated take-home pay.
A single 4% raise is one thing — but what happens when you get 4% every year? Use the annual raise calculator to see how 4% compounds over 5, 10, or 20 years.
When 4% is genuinely good:
At 3.3% inflation, 4% preserves and slightly grows your real income (about 0.7 percentage points) and tops the ~3.5% average merit budget. A solid result for a meets- or exceeds-expectations rating.
When 4% may not be enough:
If you're below market rate for your role, or you were expecting a promotion — those typically run 10-20%. A 4% bump won't close a real market gap on its own.
Bottom line: 4% is a touch above average for 2026 — a positive, inflation-beating raise, but not a standout.
How 4% compares:
2-3%
Cost of living
3-6%
Merit raise
10-20%+
Promotion
Calculate Your 4% Raise
Your Salary
Your Raise
$2,000.00
+4.00% increase
New Annual Salary
$52,000.00
from $50,000.00
Per Paycheck
+$76.92
bi-weekly increase
After-Tax Increase
+$1,607.00
estimated annual take-home
Hourly
+$0.96
Before
$24.04
After
$25.00
Weekly
+$38.46
Before
$961.54
After
$1,000.00
Bi-Weekly
+$76.92
Before
$1,923.08
After
$2,000.00
Monthly
+$166.67
Before
$4,166.67
After
$4,333.33
Annual
+$2,000.00
Before
$50,000.00
After
$52,000.00
| Period | Before | After | Increase |
|---|---|---|---|
| Hourly | $24.04 | $25.00 | +$0.96 |
| Weekly | $961.54 | $1,000.00 | +$38.46 |
| Bi-Weekly | $1,923.08 | $2,000.00 | +$76.92 |
| Monthly | $4,166.67 | $4,333.33 | +$166.67 |
| Annual | $50,000.00 | $52,000.00 | +$2,000.00 |
After-Tax Impact
$42,355.00 → $43,962.00 (+$1,607.00/yr)
Est. US federal income tax + FICA (single filer). Varies by state, filing status, and deductions.
Real Raise (Inflation-Adjusted)
Your raise: 4.0% — Inflation (CPI): 3.3% → Real purchasing power change: +0.7%
Estimates are for informational and planning purposes only. They do not constitute financial, tax, or legal advice. See our disclaimer.
Is a 4% raise a cost-of-living raise or a merit raise?
4% sits right on the line. It clears the 3.3% headline inflation rate, but only barely once you account for tax and for the purchasing power your existing salary loses to inflation. The breakdown below shows the squeeze: a 4% gross raise shrinks to roughly 3% after federal and FICA tax, and once 3.3% inflation is netted out, the real take-home gain is thin — and at higher salaries it actually turns slightly negative.
| Salary | Gross raise | After tax | After tax & inflation |
|---|---|---|---|
| $50,000 | $2,000/yr | $1,607/yr | −$43/yr |
| $75,000 | $3,000/yr | $2,111/yr | −$364/yr |
| $100,000 | $4,000/yr | $2,814/yr | −$486/yr |
Single filer, federal income tax + FICA, no state tax. “After tax & inflation” subtracts what 3.3% CPI-U inflation takes off your existing pay, so it shows whether the raise actually grows your real take-home — not just the sticker number.
That is why 4% is best read as a strong cost-of-living raise rather than a true merit raise: it keeps you roughly even with a small step forward, not a leap. If you are aiming to clearly grow your real income, you generally need to clear the after-tax break-even raise, which sits a bit above the headline 3.3% — check the current US inflation rate before you negotiate.
4% Raise Questions
- Is a 4% raise good in 2026?
- A 4% raise in 2026 is slightly above average. It beats the 3.3% CPI-U inflation rate (BLS, March 2026), giving you about 0.7% in real purchasing-power growth, and it sits at the top of typical employer merit budgets (around 3.2%-3.5%, Mercer 2026). For an average performer it is a solid result; top performers can usually justify more.
- How much is a 4% raise on a $60,000 salary?
- A 4% raise on a $60,000 salary adds $2,400 per year, bringing your new salary to $62,400. That is about $200 more per month, or roughly $92.31 per biweekly paycheck before taxes. After federal income tax and FICA — about 20% combined at this income (the 12% federal bracket plus 7.65% FICA), before any state tax — expect roughly $74 more per biweekly paycheck.
- Does a 4% raise beat inflation?
- Yes, but only just. With CPI-U inflation at 3.3% (BLS, March 2026), a 4% raise gives about 0.7% real growth. Because the new dollars are taxed at your marginal rate, your after-tax purchasing-power gain is thinner than the headline number — see the raise-to-beat-inflation calculator for the break-even by state.
- Is a 4% raise better than the average raise?
- Slightly. US employers budgeted total salary increases of around 3.2%-3.5% for 2026 (Mercer), so a 4% raise edges above what most employees receive. The gap is modest, though — 4% is a good-not-great outcome rather than a standout.
- Should I ask for more than a 4% raise?
- If you are below the market rate for your role (check Levels.fyi or Glassdoor) or you have been exceeding expectations, a 5%-6% request is reasonable, and promotion-level changes justify 10% or more. Bring market data and a record of your impact. See our good raise percentage guide and how-much-raise-to-ask-for for scripts.