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How to increase your take-home pay

Short of a raise, there are still legitimate ways to keep more of each paycheck — or to make the money you keep work harder. Here are six.

1. Check your W-4

If you get a big tax refund every year, you are essentially giving the government an interest-free loan. Adjusting your Form W-4 can increase each paycheck so you keep more throughout the year (just avoid under-withholding and owing at tax time).

2. Use pre-tax accounts wisely

Contributions to a traditional 401(k) or HSA lower your taxable income. They reduce your paycheck today, but the tax savings are real — and the money is yours, invested for later.

3. Take advantage of an employer match

If your employer matches 401(k) contributions, contributing at least up to the match is effectively free money — one of the highest-return moves available.

4. Review pre-tax benefits

Commuter benefits, dependent-care FSAs and similar programs can lower your taxable income if your employer offers them and they fit your situation.

5. Consider where you live and work

State income tax can swing your take-home pay by thousands of dollars a year. It is a big factor for remote workers weighing a move — compare states in our no-income-tax guide.

6. Avoid over-withholding on bonuses

Bonuses are often withheld at a flat supplemental rate that may be higher than your actual rate. You get any excess back at tax time, but understanding it helps you plan.

General information for 2026, not tax or financial advice. Consult a professional before making changes.