Massachusetts Hourly Paycheck Calculator
Your hourly rate and hours in, your take-home pay out. Overtime is paid at 1.5× your rate; tips you report are taxed like wages.
= $647.20 a week · $2,804.53 a month · $33,654.30 a year
Gross pay$1,600.00$41,600.00
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−$108.15−$2,812.00
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 · $1,600.00 × 26 paychecks | $41,600.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $33,000.00 |
| Tax from the IRS yearly table · standard table | $2,812.00 |
| Federal income tax per paycheck · divided by 26 | $108.15 |
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: $33,000.00, 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% × ($33,000.00 − $19,900.00) = $2,812.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$99.20−$2,579.20
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%)−$23.20−$603.20
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
Massachusetts income tax · withheld−$67.69−$1,759.94
5.0% (plus 4% on income over $1,107,750). Worked out with Massachusetts's official 2026 withholding method, step by step:
| Pay subject to Mass. tax, for the year · this paycheck × 26 | $41,600.00 |
| Minus Social Security and Medicare · at most $2,000 a year | −$2,000.00 |
| Minus M-4 exemptions · $3,400 + 1 × $1,000 | −$4,400.00 |
| Net yearly pay for withholding | $35,200.00 |
| Yearly Mass. tax at 5% | $1,760.00 |
| Per paycheck · ÷ 26 | $67.69 |
| Massachusetts income tax this paycheck · rounded to the cent | $67.69 |
Source: Massachusetts DFML - PFML benefits guide · checked Oct 16, 2026
MA Paid Family & Medical Leave · your share (most employers)−$7.36−$191.36
MA Paid Family & Medical Leave: an employee-paid Massachusetts payroll program, taken as a share of your pay (your share (most employers)).
Source: Massachusetts DFML - PFML benefits guide · checked Oct 16, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
Hourly pay in Massachusetts
Massachusetts's minimum wage is $15.00 an hour, in place since January 1, 2023. Tipped workers can be paid a service rate of $6.75 if their employer tells them in writing, they get at least $20 a month in tips, and tips bring them up to $15.00 an hour. If they don't, the employer must make up the difference.
Overtime. Most workers get at least 1.5 times their regular rate for each hour over 40 in a week.
Paydays. Hourly pay comes every week or every other week, within a set number of days after the pay period ends.
Tips and overtime on your Mass. tax. Reported tips and overtime pay count as wages for Massachusetts withholding and are taxed at the same 5% rate.
Minimum wage after taxes in Massachusetts
At Massachusetts's minimum wage of $15 an hour (since January 1, 2023), a full-time worker takes home about $994.84 every two weeks - $25,866 a year, or $12.44 for each hour worked after tax. No increase is scheduled.
| Minimum wage, $15/hour | Gross per paycheck | Take-home per paycheck | Take-home a year | After tax per hour |
|---|---|---|---|---|
| 40 hours a week | $1,200.00 | $994.84 | $25,866 | $12.44 |
| 30 hours a week | $900.00 | $765.83 | $19,912 | $12.76 |
| 20 hours a week | $600.00 | $532.10 | $13,835 | $13.30 |
Paid every two weeks, single filer, standard W-4, no benefits. Tipped workers can be paid $6.75 an hour in cash if tips bring them to the full minimum; their tax depends on the tips they report. Every state's figures: minimum wage after taxes by state.
Take-home at common hourly rates in Massachusetts
Full time (40 hours a week), paid every two weeks, single filer with a standard W-4 and no benefits. The last column is what you keep for each hour worked.
| Hourly rate | Take-home per paycheck | Take-home a year | Kept per hour |
|---|---|---|---|
| $15 (minimum wage) | $994.84 | $25,866 | $12.44 |
| $18 | $1,174.58 | $30,539 | $14.68 |
| $20 | $1,294.40 | $33,654 | $16.18 |
| $22 | $1,414.22 | $36,770 | $17.68 |
| $25 | $1,593.96 | $41,443 | $19.92 |
| $30 | $1,893.52 | $49,231 | $23.67 |
Part time and overtime at $20 an hour in Massachusetts
Every two weeks, single filer, standard W-4. Overtime is paid at 1.5 times the rate. More hours mean a larger share is withheld, because withholding is worked out as if each paycheck were repeated all year.
| Hours a week | Gross per paycheck | Take-home per paycheck | Kept |
|---|---|---|---|
| 20 hours | $800.00 | $688.56 | 86% |
| 30 hours | $1,200.00 | $994.84 | 83% |
| 40 hours | $1,600.00 | $1,294.40 | 81% |
| 40 hours + 5 overtime | $1,900.00 | $1,519.07 | 80% |
| 40 hours + 10 overtime | $2,200.00 | $1,743.74 | 79% |
Because hours change from week to week, your withholding changes too: a week with lots of overtime is withheld as if you earned that much every week, so more comes out. It usually evens out when you file your return.
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.
Every line that comes out of a Massachusetts paycheck, with its official source, is set out on the Massachusetts paycheck calculator.
More for Massachusetts
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes · MA PFML explained
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 Massachusetts 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 · Maryland · 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
- Massachusetts DFML - PFML benefits guide - 2026 maximum weekly benefit $1,230.39; up to 20 weeks medical, 12 weeks family, 26 weeks combined in a benefit year (updated June 25, 2026; checked Sep 27, 2026)
- Massachusetts DOR - Circular M: Income Tax Withholding Tables at 5.0%, effective January 1, 2026 - percentage method; $4,400 / $1,000 exemption factors; $2,000 FICA maximum; $120 head of household; $110 blindness; 9% over $1,107,750; supplemental wage example
- Massachusetts DOR - Withholding tax guide - FICA subtraction up to an annual maximum of $2,000; Form M-4
- Massachusetts DOR - Form M-4, Employee's Withholding Exemption Certificate - no certificate: withhold on no exemptions
- Massachusetts DOR - Tax treatment of retirement plan contributions and distributions - 401(k) and 403(b) deferrals not taxable; Roth contributions taxable
- Massachusetts DOR - Employee fringe benefits - cafeteria plan (section 125) benefits
- Massachusetts DFML - PFML contribution rates and calculator (2025 & 2026) - 0.88% total; employees up to 0.18% family + 0.28% medical
- Massachusetts DFML - Wage contributions and reporting for PFML - contributions capped at the Social Security taxable maximum
- Mass.gov - Massachusetts law about minimum wage - $15.00; $6.75 service rate (M.G.L. c. 151)
- Massachusetts Attorney General - Pay and recordkeeping - $6.75 service rate rules; overtime after 40 hours; weekly or biweekly pay; final pay
Questions
What is minimum wage after taxes in Massachusetts?
At $15 an hour for 40 hours a week, about $994.84 every two weeks and $25,866 a year after federal and state taxes, Social Security and Medicare (single filer, standard W-4).
What is $15 an hour after taxes in Massachusetts?
Working 40 hours a week and paid every two weeks, $15 an hour is $1,200.00 before tax and about $994.84 after tax per paycheck - $25,866 a year - for a single filer with a standard W-4.
What is $20 an hour after taxes in Massachusetts?
Working 40 hours a week and paid every two weeks, $20 an hour is $1,600.00 before tax and about $1,294.40 after tax per paycheck - $33,654 a year - for a single filer with a standard W-4.
What is $25 an hour after taxes in Massachusetts?
Working 40 hours a week and paid every two weeks, $25 an hour is $2,000.00 before tax and about $1,593.96 after tax per paycheck - $41,443 a year - for a single filer with a standard W-4.
How much does 5 hours of overtime a week add at $20 an hour in Massachusetts?
Five overtime hours at $30 add $300.00 of gross pay to each two-week paycheck, and about $224.67 after tax (single filer, standard W-4).