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How To Negotiate a Raise: Scripts, Timing & How Much To Ask

MRBy Michael Reyes, CFP® Updated June 30, 2026 7 min read

Quick Answer

To negotiate a raise: pick the right moment (after a win or at review time), anchor to market data plus your specific results, and ask for a concrete number — commonly 5–10%, or 10–20%+ if you're underpaid or taking on more. Lead with the value you've added, not your personal expenses. If denied, ask exactly what would earn a raise and by when, and negotiate benefits meanwhile. Remember you keep ~65–80% of a raise after taxes.

Asking for a raise is uncomfortable, but it's one of the highest-return conversations of your career — a single successful ask compounds across every future paycheck and raise. Here's how to make the case well.

How much to ask for

Standard raise: 5–10%

Underpaid, bigger role, or competing offer: 10–20%+

Anchor your number to two things: market data for your title and location, and the specific value you've delivered. Asking slightly above your target leaves room to negotiate down to the number you actually want.

When to ask

  • Right after a clear win — a delivered project or a target hit.
  • At a scheduled performance or annual review.
  • When your responsibilities have clearly outgrown your original role.
  • Not during layoffs, budget freezes, or a rough quarter.

What to say

"Over the past year I've [specific results — e.g., led X, grew Y by Z%]. Based on those contributions and market rates for this role, I'd like to discuss increasing my salary to $X."

Lead with value, name a specific number, and bring evidence — accomplishments with metrics, and salary benchmarks. Avoid framing it around personal expenses; employers pay for impact, not need.

If they say no

  • Ask exactly what would earn a raise, and by when — ideally in writing.
  • Negotiate alternatives: bonus, extra PTO, a title change, or remote days.
  • If you're persistently underpaid, test the market — a competing offer is real leverage.

Know your after-tax number first

Before you negotiate, know what a raise actually adds — you keep about 65–80% after taxes. See what a raise really adds, then run the numbers with the salary increase calculator or compare offers with the job offer comparison calculator.

Frequently Asked Questions

How much of a raise should I ask for?

A common range is 5–10% for a standard raise, and 10–20% or more if you're underpaid, taking on a bigger role, or have a competing offer. Anchor your number to market data for your role and location, plus the specific value you've added. Asking slightly high gives room to land where you want.

When is the best time to ask for a raise?

The best moments are after a clear win (a completed project, hitting a target), during a scheduled performance review, or when your responsibilities have grown. Avoid times when the company is struggling financially or your manager is overwhelmed. Timing your ask to a recent accomplishment makes the case for itself.

What should I say when asking for a raise?

Lead with your value, not your needs. Something like: 'Over the past year I've [specific results]. Based on my contributions and market rates for this role, I'd like to discuss increasing my salary to $X.' Bring evidence — accomplishments, metrics, and salary benchmarks — and name a specific number.

How do I justify a raise request?

Document your wins with numbers (revenue, savings, output, projects delivered), show how your role has expanded beyond your original job description, and back it up with market salary data. The strongest case combines proof of past impact with evidence that you're paid below market for what you now do.

What if my raise request is denied?

Ask what specific goals would earn a raise and by when, and get it in writing if you can. Consider negotiating non-salary benefits (bonus, extra PTO, title, remote days) in the meantime. If you're consistently underpaid and there's no path forward, it may be time to explore the market — a competing offer is powerful leverage.

How much will a raise actually add to my paycheck?

Less than the gross number, because a raise is taxed at your marginal rate. You typically keep about 65–80% after federal tax, FICA, and any state tax. A $5,000 raise for someone in the 22% bracket adds roughly $3,500 a year in take-home. Use a salary increase calculator to see your exact net.