Maryland Paycheck Calculator 2026
Enter your pay, your county and your MW507 exemptions to see what lands in your bank account. Maryland withholds its state tax and your county's income tax together - we show both parts.
How much does Maryland take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), Maryland takes $163.28 of each $2,307.69 paycheck - 7.1% of pay (with the calculator's default local tax). With federal income tax ($193.08) and Social Security and Medicare ($176.54), $532.90 comes out in all - 23.1% - and you keep $1,774.79.
= $887.40 a week · $3,845.39 a month · $46,144.72 a year
Gross pay$2,307.69$60,000.00
Your pay before anything is taken out: yearly pay divided by the 26 paychecks in a year (hourly pay is a week's pay × 52, spread the same way).
Federal income tax · withheld−$193.08−$5,020.00
Worked out from your pay and your Form W-4 with the IRS percentage method (Worksheet 1A): yearly pay, minus the allowance for your filing status, into the 2026 annual table, minus W-4 credits, divided by paychecks. Each line, for this paycheck:
| Pay subject to income tax, for the year · $2,307.69 × 26 paychecks | $60,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $51,400.00 |
| Tax from the IRS yearly table · standard table | $5,020.00 |
| Federal income tax per paycheck · divided by 26 | $193.08 |
IRS Publication 15-T (2026), Worksheet 1A - the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
Adjusted yearly wage: $51,400.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% Your row |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | - | $192,979.25 | 37% |
$1,240.00 + 12% × ($51,400.00 − $19,900.00) = $5,020.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$143.08−$3,720.00
6.2% of your pay (after pre-tax benefits, not after 401(k)) up to $184,500 of pay in 2026. Once your pay for the year passes that, it stops until January. Stubs often call it OASDI or FICA.
Source: Social Security Administration - 2026 wage base · checked Sep 21, 2026
Medicare (1.45%)−$33.46−$870.00
1.45% of all your pay, with no yearly limit, plus 0.9% Additional Medicare on pay above $200,000 in the year.
Source: IRS Publication 15 (2026) · checked Sep 21, 2026
Maryland income tax · withheld−$163.28−$4,245.28
state 4.75% to 6.5% for withholding, plus your county's rate. Worked out with Maryland's official 2026 withholding tables, step by step:
| Pay subject to Md. income tax this paycheck | $2,307.69 |
| Minus standard deduction for this pay period · $3,400 a year | −$130.76 |
| Minus 1 MW507 exemption · 1 × $123.08 ($3,200 a year each) | −$123.08 |
| Taxable pay for withholding | $2,053.85 |
| Maryland state tax · single rate table: 4.75% up to $3,846 a paycheck | $97.56 |
| County income tax · Baltimore City 3.2% | $65.72 |
| Md. state and county tax this paycheck | $163.28 |
Taxable pay for withholding: $2,053.85, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $3,846 | $0.00 | 4.75% Your row |
| $3,846 | $4,808 | $182.69 | 5% |
| $4,808 | $5,769 | $230.77 | 5.25% |
| $5,769 | $9,615 | $281.25 | 5.5% |
| $9,615 | $19,231 | $492.79 | 5.75% |
| $19,231 | $38,462 | $1,045.67 | 6.25% |
| $38,462 | - | $2,247.60 | 6.5% |
$0.00 + 4.75% × ($2,053.85 − $0.00) = $97.56
Source: Comptroller of Maryland - Form MW507, Employee's Maryland Withholding Exemption Certificate (2026, COM/RAD-036 07/25) · checked Oct 16, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
What comes out of a Maryland paycheck
- Federal income tax withholding - worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security - 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare - 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
A Maryland paycheck has one line for state tax, but it holds two taxes: Maryland's own income tax and the income tax of the county you live in (or Baltimore City). Employers work it out with the Comptroller's percentage method:
- Start with your pay subject to income tax - after a traditional 401(k) and pre-tax health insurance, as for federal tax.
- Take off the standard deduction for withholding: $3,400 a year ($65.38 a week), the same for every filing status.
- Take off $3,200 a year ($61.54 a week) for each exemption on your MW507.
- Multiply what's left by the state rate plus your county's rate. The state part is 4.75% on yearly taxable pay up to $100,000 ($150,000 at the joint rate), rising step by step to 6.5% above $1,000,000 ($1,200,000 joint). In Baltimore City, for example, the first step is 7.95% in total.
Maryland has no employee-paid unemployment tax: state law bars employers from taking any part of it out of your wages. Paid family and medical leave (FAMLI) deductions have not started yet.
What's different about Maryland
Your county tax comes out with your state tax
Every Maryland county and Baltimore City has its own income tax. For 2026 the rates run from 2.25% to 3.3%, the highest a county may now charge. Pick your county above. Two counties use more than one rate. Anne Arundel charges 2.7% on the first $50,000 of yearly taxable income, 2.94% up to $400,000 and 3.2% above that ($75,000 and $480,000 at the joint rate). Frederick's rate depends on your whole taxable income - from 2.25% up to $25,000 to 3.2% above $150,000 for single filers - and that one rate applies to all of it.
If you live outside Maryland and work here, there is no county tax; instead your employer adds a special nonresident rate of 2.25%. Residents of places with a reciprocal agreement (the District of Columbia, Pennsylvania, Virginia and West Virginia) can claim exemption from the state part on the MW507 if they meet its conditions.
Withholding skips the lowest rates
On your return, Maryland taxes the first $1,000 of taxable income at 2%, the next $1,000 at 3% and the next $1,000 at 4%. The law tells the Comptroller to leave those out of the withholding tables, so withholding starts at 4.75% from the first dollar. That means a little more is withheld than those lower rates would give.
Your MW507
How many exemptions should I claim on the MW507? walks through the worksheet with examples.
The MW507 is Maryland's version of the W-4. Line 1 is your number of exemptions - each is worth $3,200 a year. If you never gave your employer one, it must withhold as if you claimed 1. If your income will be over $100,000 ($150,000 filing jointly), the form's worksheet lowers the exemptions you can claim. You also tick a box for the single or the joint rate, and line 2 lets you add an extra amount each paycheck.
Low pay
Employers don't withhold Maryland tax from pay at a rate under $5,000 a year (under $96 a week).
Paydays and your last paycheck
Maryland employers must pay at least every two weeks or twice a month; executive, administrative and professional employees can be paid less often. When you leave, your final wages are due on or before the day you would have been paid if you had stayed. Unused vacation is paid out unless your employer told you in writing when you were hired that it is lost.
Unpaid wages
You can file a wage claim with the Maryland Department of Labor's Employment Standards Service, using its claim form.
Maryland salary after tax
Each answer is worked out by the same calculator as above, for a single filer paid every two weeks with a standard W-4 and no 401(k) or benefits. Jump to: $35,000 · $45,000 · $55,000 · $60,000 · $65,000 · $75,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
How much is $35,000 a year after tax in Maryland?
About $28,045 a year - $1,078.64 every two weeks, or about $2,337 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $2,258 in Maryland taxes; you keep 80%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in Maryland?
About $35,285 a year - $1,357.09 every two weeks, or about $2,940 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $3,053 in Maryland taxes; you keep 78%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in Maryland?
About $42,525 a year - $1,635.57 every two weeks, or about $3,544 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $3,848 in Maryland taxes; you keep 77%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in Maryland?
About $46,145 a year - $1,774.79 every two weeks, or about $3,845 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $4,245 in Maryland taxes; you keep 77%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in Maryland?
About $49,765 a year - $1,914.03 every two weeks, or about $4,147 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $4,643 in Maryland taxes; you keep 77%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in Maryland?
About $56,155 a year - $2,159.79 every two weeks, or about $4,680 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $5,438 in Maryland taxes; you keep 75%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in Maryland?
About $59,275 a year - $2,279.79 every two weeks, or about $4,940 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $5,835 in Maryland taxes; you keep 74%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in Maryland?
About $65,515 a year - $2,519.80 every two weeks, or about $5,460 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $6,630 in Maryland taxes; you keep 73%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in Maryland?
About $71,755 a year - $2,759.79 every two weeks, or about $5,980 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $7,425 in Maryland taxes; you keep 72%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in Maryland?
About $84,201 a year - $3,238.50 every two weeks, or about $7,017 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $9,049 in Maryland taxes; you keep 70%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in Maryland?
About $102,237 a year - $3,932.19 every two weeks, or about $8,520 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $11,554 in Maryland taxes; you keep 68%. Try $150,000 with your own W-4 and deductions.
Maryland vs neighboring states
Take-home pay on a $60,000 salary, single filer paid every two weeks with a standard W-4. "State taxes" counts state and local income tax withheld (with each calculator's default choices) plus any employee-paid state payroll premium; federal tax, Social Security and Medicare are the same everywhere.
| State | State taxes | Take-home | vs here |
|---|---|---|---|
| Pennsylvania | $1,884 | $48,506 | +$2,361 |
| West Virginia | $2,054 | $48,336 | +$2,191 |
| Virginia | $2,636 | $47,754 | +$1,609 |
| Delaware | $2,893 | $47,497 | +$1,352 |
| District of Columbia | $3,221 | $47,169 | +$1,025 |
| Maryland | $4,245 | $46,145 | - |
Local income taxes (city, county or school district) aren't included for Pennsylvania and Delaware - enter your rate on the state's calculator. Maryland includes the calculator's default local tax.
Where you live and where you work can both matter when the two states differ - check each state's page.
What changed for 2026
Maryland's 2026 withholding reflects tax changes passed in 2025. Here is what applies this year.
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 - see below.
- Top rates: 6.25% above $500,000 and 6.5% above $1,000,000 (single), in place since tax year 2025.
- Standard deduction: a flat amount instead of a percentage of income; withholding uses $3,400 a year.
- County rates: counties may now charge up to 3.3%; 2026 rates run from 2.25% to 3.3%.
- FAMLI: paid family and medical leave deductions start January 1, 2027, not in 2026.
- Minimum wage: still $15.00.
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
More for Maryland
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes · MW507 exemptions guide
Other tools: What changed for 2026 · Hourly to salary · Salary to hourly · Overtime · Raise · Net to gross · Compare two states · All state tax rates · How Maryland ranks on $75,000 · Pay stub checker · W-4 guide
Other states: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods - Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide - Social Security and Medicare rates
- Social Security Administration - 2026 wage base of $184,500
- IRS - tips and overtime deductions
- Comptroller of Maryland - Form MW507, Employee's Maryland Withholding Exemption Certificate (2026, COM/RAD-036 07/25) - Personal Exemption Worksheet: $3,200 per exemption up to $100,000 AGI single ($150,000 joint/head of household), then $1,600, $800, $0; $1,000 for 65+ or blind; total ÷ $3,200, drop fractions; lines 1–8 (checked Sep 27, 2026)
- Comptroller of Maryland - 2026 Maryland Employer Withholding Guide - percentage method: $3,400 standard deduction, $3,200 per exemption, rate tables ignore rates below 4.75%, no withholding under $5,000 a year, 1 exemption if no MW507, Anne Arundel and Frederick rates; lump-sum annual bonus withheld at the highest state rate (6.50%) plus the highest local rate for the county of residence (p. 9), printed combined rates 8.75%–9.80% on each table page
- Comptroller of Maryland - 2026 percentage method table, 3.20 percent local income tax - 7.95% … 9.70% tables for every pay period
- Comptroller of Maryland - Withholding Tax Facts, January 2026 - 2026 local income tax rates for all 24 jurisdictions; 2.25% nonresident rate; $3,200 exemption
- Comptroller of Maryland - Online Withholding Calculator (2026) - confirms each county's 2026 rate and Frederick's whole-income rate
- Comptroller of Maryland - Tax alert: changes from the 2025 legislative session - new 6.25% and 6.5% brackets from tax year 2025; standard deduction $3,350 / $6,700; local rates up to 3.30% from 2026
- Comptroller of Maryland - Form MW507 (2026) - exemptions, rate boxes, additional withholding, reciprocity exemptions, worksheet above $100,000 / $150,000
- Maryland FAMLI - Make contributions - employee contributions through payroll start January 2027; 0.9% split 0.45% / 0.45%
- Maryland Department of Labor - Deductions for unemployment and workers' compensation - no part of wages may be deducted for unemployment insurance
- Maryland Department of Labor - Maryland Minimum Wage and Overtime Law
- Maryland Manual - Maryland at a glance: wages - $13.25 → $15.00 on January 1, 2024 (Fair Wage Act of 2023)
- Maryland Department of Labor - Frequency of pay - at least every two weeks or twice a month; executive, administrative and professional employees may be paid less often
- Maryland Department of Labor - Termination pay - final wages on or before the day they would have been paid
- Maryland Department of Labor - Wage issues: having problems with your pay? - claim form to the Employment Standards Service
Questions
How much does Maryland take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), Maryland takes $163.28 of each $2,307.69 paycheck - 7.1% of pay (with the calculator's default local tax). With federal income tax ($193.08) and Social Security and Medicare ($176.54), $532.90 comes out in all - 23.1% - and you keep $1,774.79.
Why is my Maryland state tax so much more than the state rate?
Because it includes your county income tax. In Baltimore City, for example, 4.75% state plus 3.2% local is 7.95% of your taxable pay.
How much is taken out of a $1,000 paycheck in Maryland?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $59.32 of Maryland income tax, leaving $826.10. Enter your own details in the calculator for your exact figure.
What if I didn't fill out an MW507?
Your employer must withhold as if you claimed one exemption, using the county you live in.
Does Maryland take FAMLI out of my paycheck in 2026?
No. Employee contributions start January 1, 2027, at 0.45% of wages, with benefits from January 1, 2028.
I live outside Maryland but work here. What is withheld?
The state tax plus a special nonresident rate of 2.25% in place of a county tax, unless you can claim a reciprocal exemption on the MW507.
When do I get my last paycheck in Maryland?
On or before the day you would have been paid if you had not left.