Tax year 2026 · Updated
Maryland Paycheck Calculator
Maryland withholds state and local income tax together. Your county of residence, pay frequency and MW507 exemptions determine the percentage table used for your paycheck.
Maryland payroll withholding. The state income-tax line uses the Maryland state and local tables and your MW507 elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill.
Annual and monthly figures assume the entered pay repeats for a full year. Wage caps are averaged across those paychecks; year-to-date pay and deductions are not tracked.
| Line | Per paycheck | Full-year projection |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Pre-tax retirement | $0.00 | $0.00 |
| Health, HSA, FSA (pre-tax) | $0.00 | $0.00 |
| Federal income-tax withholding | $193.08 | $5,020.00 |
| Social Security (6.2%) | $143.08 | $3,720.00 |
| Medicare (1.45%) | $33.46 | $870.00 |
| Maryland state + local withholding | $163.28 | $4,245.31 |
| After-tax deductions | $0.00 | $0.00 |
| Take-home pay | $1,774.80 | $46,144.69 |
Estimated tax share is the displayed federal withholding, FICA, state/local tax estimate and state payroll deductions divided by gross pay. Benefit deductions are excluded from that share; it is not your final income-tax rate.
Maryland's line includes state and local withholding together. Local table component: 3.2%. The Comptroller's tables may round the county rate upward. This resident, regular-pay estimate does not cover nonresident, reciprocal-state, military or other special exemption cases.
Federal withholding follows IRS Publication 15-T for a 2020-or-later W-4. Social Security applies to the first $184,500 of wages in 2026.
Compare a Maryland salary offer with your paystub
- Enter annual gross salary and the employer's pay frequency. Every two weeks means 26 paychecks; twice a month means 24. Benefits entered per paycheck follow that choice.
- Copy the elections from your current federal W-4 and the separate state certificate fields shown in the form. A job offer's salary alone does not establish withholding.
- Enter your employee retirement and health deductions, then any after-tax deductions. Compare gross pay and each deduction line with a regular paystub before relying on the net estimate.
- For a proposed raise, run both annual salaries with the same elections, pay frequency and benefit settings. Percentage-based retirement deductions change with salary. Keep one-off bonuses separate from regular annual salary.
A raise starting partway through the year affects fewer paychecks. The annual result here is a full year at the entered salary; it does not combine earlier wages or predict a refund. For household withholding and amounts already paid, use the IRS Tax Withholding Estimator.
How Maryland paycheck taxes work in 2026
Maryland uses a graduated schedule with 10 brackets from 2% to 6.5%. The top rate applies to taxable income above $1,000,000 for single filers and $1,200,000 for joint filers. Only the income inside each bracket is taxed at that bracket's rate, which is why the effective rate on your whole paycheck is lower than the top rate.
Maryland paycheck withholding uses the employer percentage tables rather than the annual income-tax brackets above. The calculator subtracts the published pay-period deduction and your MW507 exemptions, selects the county schedule, and calculates combined state and local withholding. It then adds any extra MW507 amount you enter.
| Single rate | Single filers | Joint rate | Married filing jointly |
|---|---|---|---|
| 2% | $0 – $1,000 | 2% | $0 – $1,000 |
| 3% | $1,000 – $2,000 | 3% | $1,000 – $2,000 |
| 4% | $2,000 – $3,000 | 4% | $2,000 – $3,000 |
| 4.75% | $3,000 – $100,000 | 4.75% | $3,000 – $150,000 |
| 5% | $100,000 – $125,000 | 5% | $150,000 – $175,000 |
| 5.25% | $125,000 – $150,000 | 5.25% | $175,000 – $225,000 |
| 5.5% | $150,000 – $250,000 | 5.5% | $225,000 – $300,000 |
| 5.75% | $250,000 – $500,000 | 5.75% | $300,000 – $600,000 |
| 6.25% | $500,000 – $1,000,000 | 6.25% | $600,000 – $1,200,000 |
| 6.5% | over $1,000,000 | 6.5% | over $1,200,000 |
These are annual income-tax brackets. Maryland employer withholding starts with a different percentage schedule and includes local tax, with pay-period deductions and MW507 exemptions.
Local income taxes in Maryland
Maryland collects state and local withholding together. Choose the county where you live; the calculator uses the Comptroller's linked percentage schedule, which can round the local rate upward. Anne Arundel and Frederick use income-dependent schedule selection.
Good to know. This calculator uses the 2026 Maryland percentage tables with your MW507 filing status, total exemptions and extra withholding. The state line includes local tax; it is not added again. County schedule selection assumes steady pay and uses annualized taxable pay from this job. Use the MW507 worksheet to determine exemptions, particularly at higher incomes. Nonresident, reciprocity, military, Delaware-credit and other special exemption cases are not modeled.
Worked example: $60,000 salary in Maryland
A single filer earning $60,000 a year, paid every two weeks, with a standard W-4 and no pre-tax deductions, single MW507 status, one exemption, Baltimore City residence and no extra state withholding, sees this estimate for each paycheck in 2026. These numbers are produced by the same engine as the calculator above, so they never drift from the tool.
| Gross pay | $2,307.69 |
| Federal income-tax withholding | $193.08 |
| Social Security | $143.08 |
| Medicare | $33.46 |
| Maryland state + local withholding | $163.28 |
| Take-home pay per paycheck | $1,774.80 |
| Full-year take-home projection | $46,144.69 |
| Estimated tax share of gross pay | 23.1% |
Comparing a raise or new offer? Use the pay raise calculator to find the percentage change and its federal-only paycheck effect, then compare both salaries above with your Maryland elections and deductions.
Maryland MW507 exemptions and county withholding
Use the exemption count from your MW507 certificate, including personal exemptions. It is separate from your federal W-4 credits. The certificate's worksheet adjusts exemptions for higher incomes and other circumstances.
The 2026 employer percentage tables subtract a deduction and an amount for each exemption for your pay period. They calculate state and local withholding together. That combined amount appears once in the results.
Select your county of residence. The Comptroller links each county to a percentage schedule; some schedules round the local rate upward. Anne Arundel and Frederick use income tiers. Their default tier here is based on annualized taxable pay from this job; enter a separate annual taxable-income estimate if other income or deductions change the tier.
This is a regular-pay estimate for Maryland residents. Nonresident, reciprocal-state, military, Delaware-credit and other special exemption cases need separate treatment. A withholding estimate is different from your final income-tax liability.
See how we calculate for table verification and how inconsistent published cells are resolved.
Federal taxes on every paycheck in 2026
Federal income tax withholding follows IRS Publication 15-T: your pay is annualised, adjusted for the entries on your Form W-4, reduced by the standard deduction built into the withholding tables ($16,100 single, $32,200 joint, $24,150 head of household), and run through the 2026 rate schedule below. Social Security is 6.2% of wages up to $184,500; Medicare is 1.45% of all wages plus 0.9% on wages above $200,000.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,775 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | over $640,600 | over $768,700 | over $640,600 |
Frequently asked questions
Does Maryland have state income tax?
Yes. Maryland withholds state income tax and a local component based on your county of residence. The calculator shows them together on the Maryland state + local withholding line.
How much is taken out of a $1,000 paycheck in Maryland?
For a single filer paid $1,000 a week with no pre-tax deductions, single MW507 status, one exemption, Baltimore City residence and no extra state withholding, this 2026 calculator estimates $223.99 in tax and state-program deductions: $78.08 federal withholding, $62.00 Social Security, $14.50 Medicare, $69.41 Maryland state + local withholding, leaving estimated take-home pay of $776.01. This assumes the same pay and elections throughout the year.
What is the Maryland income tax rate for 2026?
Maryland rates range from 2% to 6.5% in 2026, depending on taxable income and filing status. The full bracket table is above.
Does Maryland have local income taxes?
Maryland collects state and local withholding together. Choose the county where you live; the calculator uses the Comptroller's linked percentage schedule, which can round the local rate upward. Anne Arundel and Frederick use income-dependent schedule selection. Select the county in the MW507 settings. The Maryland withholding line already includes local tax.
Are 401(k) contributions taxed in Maryland?
Qualifying traditional 401(k), 403(b) and similar pre-tax retirement contributions reduce federal and Maryland income-tax wages in this estimate. Social Security and Medicare still apply to those contributions; any local-tax or state-program wage rules are separate.
How do I calculate my hourly take-home pay in Maryland?
Switch the calculator to Hourly, enter your rate, hours per week and any overtime, and choose how often you are paid. The Maryland hourly paycheck calculator opens with those settings and shows the same federal, FICA and state breakdown.
Why is my actual paycheck different from this estimate?
The state income-tax line uses the Maryland state and local tables and your MW507 elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill. The estimate assumes steady regular pay and the elections and deductions you enter. Employer rounding, variable pay, year-to-date wage caps, benefit coverage and local-tax rules can produce different deductions. Compare gross pay and each deduction line with your paystub before using the net figure for budgeting. It does not predict a refund or balance due.
Related calculators
- Maryland hourly paycheck calculatorHourly rate, hours and overtime
- Federal income tax calculatorYour 2026 federal tax bill
- W-4 withholding calculatorCheck if enough is being withheld
- Pay raise calculatorWhat a raise means after tax
- Hours worked calculatorTime card to gross pay
- Texas paycheck calculator
- Florida paycheck calculator
- California paycheck calculator
- New York paycheck calculator
- Illinois paycheck calculator
- Pennsylvania paycheck calculator
Paycheck calculators for other states
- AlabamaUp to 5%
- AlaskaNo income tax
- ArizonaFlat 2.5%
- ArkansasUp to 3.9%
- CaliforniaUp to 13.3%
- ColoradoFlat 4.4%
- ConnecticutUp to 6.99%
- DelawareUp to 6.6%
- District of ColumbiaUp to 10.75%
- FloridaNo income tax
- GeorgiaFlat 4.99%
- HawaiiUp to 11%
- IdahoFlat 5.3%
- IllinoisFlat 4.95%
- IndianaFlat 2.95%
- IowaFlat 3.8%
- KansasUp to 5.58%
- KentuckyFlat 3.5%
- LouisianaFlat 3%
- MaineUp to 9.15%
- MassachusettsUp to 9%
- MichiganFlat 4.25%
- MinnesotaUp to 9.85%
- MississippiFlat 4%
- MissouriUp to 4.7%
- MontanaUp to 5.65%
- NebraskaUp to 4.55%
- NevadaNo income tax
- New HampshireNo income tax
- New JerseyUp to 10.75%
- New MexicoUp to 5.9%
- New YorkUp to 10.9%
- North CarolinaFlat 3.99%
- North DakotaUp to 2.5%
- OhioFlat 2.75%
- OklahomaUp to 4.5%
- OregonUp to 9.9%
- PennsylvaniaFlat 3.07%
- Rhode IslandUp to 5.99%
- South CarolinaUp to 6%
- South DakotaNo income tax
- TennesseeNo income tax
- TexasNo income tax
- UtahFlat 4.5%
- VermontUp to 8.75%
- VirginiaUp to 5.75%
- WashingtonNo income tax
- West VirginiaUp to 4.82%
- WisconsinUp to 7.65%
- WyomingNo income tax
Sources and updates
Figures are for tax year 2026 and were checked against the sources below on . Tax rules and rates can change. Each calculator identifies the method and limitations used.
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (as of Jan 1, 2026)
- Maryland Comptroller, employer withholding guide
- Maryland Comptroller, 2026 county rates, percentage-table links and income tiers
- IRS, Revenue Procedure 2025-32: tax inflation adjustments for tax year 2026 (standard deduction, rate brackets)
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods, Worksheet 1A percentage method for automated payroll systems
- Social Security Administration, 2026 contribution and benefit base $184,500
- IRS Topic 751, Social Security and Medicare withholding rates (6.2% and 1.45%; Additional Medicare Tax 0.9% over $200,000)
- Tax Foundation, 2026 Tax Brackets (head of household and married filing separately thresholds)
This calculator gives estimates for information only and is not tax, legal or financial advice. Your employer's payroll system, local taxes, benefits and year-to-date wages can change the exact amounts on your pay stub. See how we calculate.