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Maryland Paycheck Calculator

Calculate your 2026 Maryland take-home pay with this free paycheck calculator. Estimates net pay after Maryland s progressive income tax 2% to 5.75%, federal taxes, and FICA.

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Maryland Paycheck Calculator: Calculate Your 2026 Take-Home Pay

Our Maryland Paycheck Calculator helps you estimate your net (take-home) pay after federal and state taxes, FICA (Social Security and Medicare), and pre-tax deductions. Whether you are paid weekly, biweekly, semi-monthly, or monthly, this tool provides a detailed breakdown of your earnings and deductions for the 2026 tax year. Use our Take Home Paycheck Calculator for a general estimate and the Income Tax Calculator to analyze your federal tax liability.

How Maryland State Income Tax Works

Maryland has a graduated-rate income tax system with ten brackets ranging from 2% to 6.5%, with different threshold amounts for each filing status. In addition to the state tax, Maryland residents are subject to a mandatory county income tax (the piggyback tax) that ranges from 2.25% to 3.30% depending on the county of residence.

Key features of Maryland state income tax:

  • Ten progressive brackets: 2%, 3%, 4%, 4.75%, 5%, 5.25%, 5.5%, 5.75%, 6%, and 6.5%
  • Different bracket thresholds apply to single, joint, and head of household filers
  • State standard deduction: $3,350 for single filers, $6,700 for married filing jointly
  • Personal exemption: $3,200 per person (phases out at higher income levels)
  • Additional county income tax (piggyback tax) of 2.25%–3.30% depending on county

Federal Tax and FICA Deductions

This calculator applies the 2026 federal income tax brackets based on your filing status. The standard deduction for 2026 is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. FICA taxes include Social Security at 6.2%, Medicare at 1.45%, and Additional Medicare at 0.9% for high earners.

Pre-Tax Deductions

Contributions to a traditional 401(k), HSA, and pre-tax health insurance premiums reduce your taxable income. This calculator accounts for these deductions to give you a more accurate take-home pay estimate.

How This Is Calculated

This calculator is based on 2026 IRS federal tax brackets and FICA, plus Maryland's published graduated income tax rates (2%–6.5%) after applying the Maryland standard deduction and personal exemption. Note that the county piggyback tax is not included in this calculation; actual withholding may be higher depending on your county of residence.

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Frequently Asked Questions

Frequently Asked Questions

What are the Maryland state income tax rates for 2026?

Maryland has ten progressive brackets: 2% on the first $1,000, 3% on $1,000–$2,000, 4% on $2,000–$3,000, 4.75% on $3,000–$100,000, 5% on $100,000–$125,000, 5.25% on $125,000–$150,000, 5.5% on $150,000–$175,000, 5.75% on $175,000–$225,000, 6% on $225,000–$300,000, and 6.5% on income above $300,000. Different thresholds apply for married filing jointly and head of household filers.

Does Maryland have a standard deduction and personal exemption?

Yes, Maryland offers a state standard deduction of $3,350 for single filers and $6,700 for married filing jointly. The personal exemption is $3,200 per person (for the taxpayer, spouse, and each dependent). However, the personal exemption phases out for higher-income taxpayers - it is reduced by 5% for each $1,000 (or part thereof) that federal adjusted gross income exceeds $100,000 ($150,000 for joint filers).

How does the Maryland county piggyback tax work?

Maryland requires residents to pay a county income tax (often called the piggyback tax) in addition to the state income tax. This county tax rate ranges from 2.25% to 3.30% depending on your county of residence. The county tax is calculated as a percentage of your state taxable income and is collected through state withholding. This calculator does not include the county tax; actual withholding may be higher. Check with your employer or the Maryland Comptroller for the exact rate applicable to your county.

Does Maryland tax Social Security benefits?

Yes, Maryland generally taxes Social Security benefits. However, taxpayers with federal adjusted gross income below $100,000 (for single filers) or $150,000 (for joint filers) may be eligible for a subtraction modification that exempts Social Security benefits from Maryland state income tax. For those above these thresholds, Social Security benefits are taxed to the same extent they are taxed at the federal level.

How does pay frequency affect my Maryland tax withholding?

Your total annual tax liability is determined by your annual income, not how often you are paid. Switching from biweekly to monthly simply divides the same annual take-home into fewer, larger payments. The per-paycheck amount changes but your annual net pay remains the same.

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