Maryland (MD) Paycheck Calculator

Maryland has a 10-bracket graduated income tax for 2026. The rates for single filers are: 2% (up to $1,000), 3% ($1,000–$2,000), 4% ($2,000–$3,000), 4.75% ($3,000–$100,000), 5% ($100,000–$125,000), 5.25% ($125,000–$150,000), 5.5% ($150,000–$250,000), 5.75% ($250,000–$500,000), 6.25% ($500,000–$1M), and 6.5% above $1M. Married filing jointly and head of household filers have wider brackets with the 5% rate starting at $150,000 and the 6.5% rate starting at $1.2M. Source: Maryland Budget Reconciliation and Financing Act of 2025 (BRFA 2025).

The Maryland Budget Reconciliation and Financing Act of 2025 increased and simplified the Maryland standard deduction. For 2025/2026, the standard deduction is $3,350 for single and married filing separately filers, and $6,700 for married filing jointly and head of household filers. The deduction is no longer computed as a percentage of Maryland AGI — it is now a fixed amount, indexed to inflation going forward. Source: Maryland Comptroller Tax Alert, 2025 Legislative Session.

Yes, and it is significant. Maryland counties and Baltimore City levy their own income taxes that piggyback on the state tax, typically ranging from 2.25% to 3.2% of Maryland taxable income. This calculator shows Maryland STATE income tax only. Your total Maryland tax burden is the state tax plus your county's local tax. For example, Montgomery County residents pay an additional 3.2% on top of the state rate, and Baltimore City residents pay 3.2%. Check your county's rate at the Maryland Comptroller website.

Yes. Maryland taxes Maryland Adjusted Gross Income (MAGI), which starts from federal AGI. Pre-tax 401(k) contributions reduce federal AGI and therefore reduce Maryland taxable income. On a $90,000 salary, a 6% 401(k) contribution saves approximately $256 in Maryland state income tax ($5,400 × 4.75%) — plus additional county tax savings on top.

Maryland uses the Married Filing Jointly bracket schedule for head of household filers. This means HOH filers get the same wider brackets as joint filers, with the 5% rate starting at $150,000 and the 6.5% rate at $1.2M. The standard deduction for HOH is $6,700, the same as MFJ.

This calculator uses the IRS Publication 15-T percentage method (annualized wages, post-2020 W-4). Your annual salary is reduced by any pre-tax deductions you enter, then by the federal standard deduction for your filing status. The resulting federal taxable income is run through the 2026 federal income tax brackets to get the annual withholding, which is divided by your pay periods.

Social Security is 6.2% of your gross wages up to the 2026 wage base of $184,500. Medicare is 1.45% of all wages with no cap. High earners (above $200,000 for single filers, $250,000 for married filing jointly) also owe an Additional Medicare surtax of 0.9% on wages above that threshold. These are the employee shares; your employer pays a matching amount separately.

Yes. Traditional 401(k) contributions reduce your federal taxable income (and therefore your federal income tax withholding). They also reduce the tax base in most states, including Maryland. Roth 401(k) contributions are post-tax and do not reduce current-year tax.

This calculator covers federal income tax, FICA (Social Security + Medicare), and Maryland state income tax. It does not include: Excludes Maryland county and city piggyback income tax (local tax averages 3%–4% of Maryland taxable income and varies by county of residence). SDI is not applicable in Maryland. The 2026 COLA-adjusted standard deduction may differ slightly from the 2025 BRFA amounts listed here. It is an estimate for budgeting purposes — your employer's actual payroll system and your W-4 elections determine your exact withholding.

Your marginal tax rate is the rate that applies to your last dollar of income (the highest bracket you fall into). Your effective tax rate is your total taxes divided by your gross salary — it is always lower than your marginal rate because lower income is taxed at lower bracket rates. The effective rate shown here includes federal income tax, FICA, and state income tax.