FREE TOOLS · CONVERTERS · TAX
Pre-Tax to After-Tax Converter
Convert an amount before tax to after tax at your marginal rate — or gross up an after-tax figure to its pre-tax equivalent. USD.
The formula
After-tax = pre-tax × (1 − rate). Pre-tax = after-tax ÷ (1 − rate).
Example. $1,000 pre-tax at a 24% marginal rate is $760 after tax. To keep $760 after 24% tax, you need $1,000 pre-tax.
Note: use your marginal rate (the tax on your next dollar) for decisions like bonuses, a raise, or a pre-tax 401(k) contribution. Your overall effective rate is lower. Educational estimate only.
Frequently asked questions
Marginal vs effective rate?
Marginal is the rate on your next dollar; effective is total tax divided by total income and is usually lower.
When should I use this?
For quick decisions — comparing a pre-tax vs Roth contribution, valuing a bonus, or grossing up a target take-home amount.
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Goes deeper on this
The Tax-Smart Investing Playbook (2026 Edition)
It's not what your investments earn — it's what you keep. The Tax-Smart Investing Playbook shows how to build and manage a portfolio for maximum after-tax wealth, in both accumulation
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