Massachusetts Paycheck Calculator 2026
Enter your pay and your M-4 details to see what lands in your bank account. Massachusetts taxes wages at a flat 5%, plus a 4% surtax on very high incomes, and takes a paid family and medical leave contribution - we show both.
How much does Massachusetts take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), Massachusetts takes $113.70 of each $2,307.69 paycheck - 4.9% of pay, including MA Paid Family & Medical Leave. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $483.32 comes out in all - 20.9% - and you keep $1,824.37.
= $912.19 a week · $3,952.83 a month · $47,433.92 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
Massachusetts income tax · withheld−$103.08−$2,680.08
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 | $60,000.00 |
| 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 | $53,600.00 |
| Yearly Mass. tax at 5% | $2,680.00 |
| Per paycheck · ÷ 26 | $103.08 |
| Massachusetts income tax this paycheck · rounded to the cent | $103.08 |
Source: Massachusetts DFML - PFML benefits guide · checked Oct 16, 2026
MA Paid Family & Medical Leave · your share (most employers)−$10.62−$276.00
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
What comes out of a Massachusetts 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 Massachusetts paycheck usually has two state lines:
- Massachusetts income tax: 5%, worked out with the Department of Revenue's Circular M method. Your pay subject to tax is turned into a yearly amount. Then two things come off: the Social Security and Medicare taken from your pay, up to $2,000 a year, and your M-4 exemptions - $4,400 if you claim one, plus $1,000 for each extra one. The rest is taxed at 5% and split across your paychecks.
- Paid Family and Medical Leave (PFML) - the 2026 contribution is 0.88% of wages. Your employer can take up to 0.46% from your pay ($4.60 per $1,000): all of the 0.18% family leave part and 0.28% of the 0.7% medical leave part. It stops once your pay for the year passes $184,500, the Social Security wage base.
A traditional 401(k) or 403(b) lowers your Massachusetts taxable pay, just as it does for federal tax. Roth contributions don't. Pre-tax health insurance through a section 125 plan is not taxed either.
What's different about Massachusetts
The surtax on very high pay
Massachusetts adds a 4% surtax on income over $1,107,750 in 2026. Circular M builds it into withholding: on yearly pay above that line, your employer withholds 9% instead of 5%. For most paychecks it never applies.
Your Form M-4
The M-4 is the state's own withholding form. You add up exemptions for yourself, your spouse if allowed, and your dependents, with extra ones for age 65 or older and for a dependent under age 12. If you never gave your employer an M-4, it withholds as if you claimed no exemptions, so more tax comes out. Two boxes lower withholding further: head of household ($120 less tax a year) and blind ($110 a year for you and again for a blind spouse).
Why a small part of FICA counts
Massachusetts lets you subtract Social Security and Medicare from your taxable pay, but only up to $2,000 a year. Payroll stops subtracting once you reach it, so early paychecks may show a little less state tax than later ones. We spread it evenly, which gives the same yearly total.
PFML: what your employer can take
The 0.46% we show is the most the law lets an employer with 25 or more covered workers take from your pay. Some employers pay part or all of it for you, so your stub may show less.
Paydays and your last paycheck
Hourly workers must be paid every week or every other week. If you're fired or laid off, you must be paid in full on your last day of work. If you quit, you're paid on the next regular payday. If your pay is late or short, you can file a complaint with the Attorney General's Fair Labor Division.
Massachusetts 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 Massachusetts?
About $28,712 a year - $1,104.29 every two weeks, or about $2,393 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $1,591 in Massachusetts taxes; you keep 82%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in Massachusetts?
About $36,201 a year - $1,392.32 every two weeks, or about $3,017 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $2,137 in Massachusetts taxes; you keep 80%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in Massachusetts?
About $43,690 a year - $1,680.37 every two weeks, or about $3,641 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $2,683 in Massachusetts taxes; you keep 79%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in Massachusetts?
About $47,434 a year - $1,824.37 every two weeks, or about $3,953 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $2,956 in Massachusetts taxes; you keep 79%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in Massachusetts?
About $51,179 a year - $1,968.41 every two weeks, or about $4,265 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $3,229 in Massachusetts taxes; you keep 79%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in Massachusetts?
About $57,818 a year - $2,223.75 every two weeks, or about $4,818 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $3,775 in Massachusetts taxes; you keep 77%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in Massachusetts?
About $61,062 a year - $2,348.53 every two weeks, or about $5,088 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $4,048 in Massachusetts taxes; you keep 76%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in Massachusetts?
About $67,551 a year - $2,598.12 every two weeks, or about $5,629 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $4,594 in Massachusetts taxes; you keep 75%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in Massachusetts?
About $74,040 a year - $2,847.69 every two weeks, or about $6,170 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $5,140 in Massachusetts taxes; you keep 74%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in Massachusetts?
About $87,018 a year - $3,346.85 every two weeks, or about $7,252 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $6,232 in Massachusetts taxes; you keep 73%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in Massachusetts?
About $105,921 a year - $4,073.89 every two weeks, or about $8,827 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $7,870 in Massachusetts taxes; you keep 71%. Try $150,000 with your own W-4 and deductions.
Massachusetts 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 |
|---|---|---|---|
| New Hampshire | $0 | $50,390 | +$2,956 |
| Vermont | $1,764 | $48,626 | +$1,193 |
| Connecticut | $2,617 | $47,773 | +$339 |
| Rhode Island | $2,873 | $47,517 | +$83 |
| Massachusetts | $2,956 | $47,434 | - |
| New York | $2,966 | $47,424 | −$10 |
Local income taxes (city, county or school district) aren't included for New York - enter your rate on the state's calculator.
Where you live and where you work can both matter when the two states differ - check each state's page.
Moving? Massachusetts vs New York taxes · Salary needed to move
What changed for 2026
Massachusetts's 5% rate and PFML contribution rate are the same in 2026; the surtax threshold is adjusted for inflation. Here is what applies.
- 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.
- Income tax: 5%, plus a 4% surtax on income over $1,107,750 (the 2026 inflation-adjusted threshold).
- PFML: 0.88% of wages, the same as 2025; employees can be charged up to 0.46%, on pay up to $184,500.
- Minimum wage: still $15.00, with a $6.75 service rate for tipped workers.
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 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
How much does Massachusetts take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), Massachusetts takes $113.70 of each $2,307.69 paycheck - 4.9% of pay, including MA Paid Family & Medical Leave. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $483.32 comes out in all - 20.9% - and you keep $1,824.37.
What is the Massachusetts income tax rate in 2026?
5% on wages, plus a 4% surtax on income over $1,107,750. Withholding uses 5%, and 9% on yearly pay above that line.
How much is taken out of a $1,000 paycheck in Massachusetts?
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, $37.71 of Massachusetts income tax, leaving $843.11. Enter your own details in the calculator for your exact figure.
What is PFML on my Massachusetts pay stub?
It's your share of the state's Paid Family and Medical Leave contribution. Your employer can take up to 0.46% of your wages, on pay up to $184,500 a year.
What happens if I didn't fill out an M-4?
Your employer must withhold as if you claimed no exemptions, so more Massachusetts tax comes out of each paycheck.
Does my 401(k) lower my Massachusetts tax?
Yes. Traditional 401(k) and 403(b) contributions are not taxed by Massachusetts when you make them. Roth contributions are.
When do I get my last paycheck in Massachusetts?
If you're fired or laid off, on your last day of work. If you quit, on the next regular payday.