What does extra income really cost me?

A raise, bonus, side job or Roth conversion can cost far more than your tax bracket suggests: health subsidies shrink or vanish, Medicare surcharges kick in, student-loan payments jump. Enter your household once and see what the extra amount really leaves you, and any cliff it crosses.

Your household

You, a spouse you file with, and everyone you claim

For the child tax credit

Your income this year
$

Before any deductions

$

If you file jointly

$

For everyone on the return

$

Net profit from a business or gig work

$

If you file jointly

$

Interest, pensions, IRA withdrawals, Roth conversions

$

Yearly total for everyone on the return

Your top state rate; 0 if your state has none

The extra income
$

The raise, bonus, side income or conversion you are weighing

Each spouse has their own Social Security wage limit

Health coverage
$

Full price of the second-cheapest silver plan for your household, before any subsidy

Medicare surcharges are set by income from two years earlier

Student loans

RAP takes $50 a month off per dependent

Tips, overtime or a new car loan (new deductions)
$

For the new tips deduction

$

The extra half in time-and-a-half

$

New, assembled in the US, loan taken out in 2025 or later

Enter your household and the extra amount to see what it really costs.