Maryland Paycheck Calculator (2026)
This Maryland paycheck calculator estimates 2026 take-home pay by subtracting federal income tax, FICA, and Maryland state tax from gross salary. Maryland uses a graduated income tax with 10 brackets, from 2% on the first dollars of taxable income up to 6.
Maryland uses a graduated income tax with 10 brackets, from 2% on the first dollars of taxable income up to 6.5% on income above $1,000,000. On a $60,000 salary, that works out to about $47,904 in annual take-home pay for a single filer; at $100,000 it is roughly $74,794. Use the calculator above with your own salary, filing status, and pay schedule for a precise estimate.
2026 Maryland income tax brackets (single filer)
| Taxable income | Rate |
|---|---|
| $0 – $1,000 | 2% |
| $1,000 – $2,000 | 3% |
| $2,000 – $3,000 | 4% |
| $3,000 – $100,000 | 4.75% |
| $100,000 – $125,000 | 5% |
| $125,000 – $150,000 | 5.25% |
| $150,000 – $250,000 | 5.5% |
| $250,000 – $500,000 | 5.75% |
| $500,000 – $1,000,000 | 6.25% |
| Over $1,000,000 | 6.5% |
Maryland allows a state standard deduction of $3,350 for single filers and $6,700 for married couples filing jointly. A personal exemption of $3,200 per filer further reduces taxable income. Significant county income taxes (avg 2.4% of AGI). Two new top brackets (6.25% and 6.50%) added retroactive to Jan 1, 2025. Additional 2% surtax on capital gains income for filers with AGI over $350,000. Personal exemption phases out above $100k single / $150k married AGI.
Keep in mind this tool estimates annual tax liability divided across paychecks. Your actual withholding depends on your W-4 form, pre-tax benefits such as 401(k) or health insurance premiums, and any credits you claim at filing time. Pre-tax contributions lower both your federal and Maryland taxable income, so real take-home pay is often slightly different from this estimate.
How this calculator works
Take-home = Gross − Federal income tax − Maryland state tax − FICA (Social Security + Medicare)
- Federal tax uses the 2026 IRS brackets after the standard deduction ($16,100 single / $32,200 married).
- FICA is 6.2% Social Security on wages up to $184,500 plus 1.45% Medicare (0.9% extra above $200,000 single / $250,000 married).
- Maryland state tax applies graduated rates from 2% to 6.5% after available state deductions and exemptions.
Worked example
A single filer earning $60,000 in Maryland in 2026 pays about $5,020 in federal income tax, $4,590 in FICA, and $2,486 in state income tax, leaving take-home pay of roughly $47,904 per year ($1,842 per biweekly paycheck).
Data & sources
- IRS — 2026 federal tax inflation adjustments
- SSA — 2026 Social Security wage base
- Tax Foundation — 2026 state income tax rates & brackets
Last updated: · Estimates annual tax liability; actual withholding on each paycheck may differ. Not tax advice — verify with the Maryland revenue department or a tax professional.
Frequently asked questions
How much is $60,000 after taxes in Maryland?
In 2026, a single filer earning $60,000 in Maryland takes home approximately $47,904 per year after federal tax, FICA, and state tax — an overall effective tax rate of about 20.2%.
How much is $100,000 after taxes in Maryland?
A single filer earning $100,000 in Maryland nets roughly $74,794 in 2026 after all federal and state taxes, or about $6,233 per month.
Does Maryland have a state income tax?
Yes. Maryland uses a graduated income tax with 10 brackets, from 2% on the first dollars of taxable income up to 6.5% on income above $1,000,000.
What FICA taxes come out of my paycheck?
Social Security takes 6.2% of wages up to $184,500 (2026 cap) and Medicare takes 1.45% of all wages, plus an extra 0.9% on income above $200,000 (single) or $250,000 (married).
Why is my actual paycheck different from this estimate?
This calculator estimates annual tax liability spread evenly across paychecks. Real withholding follows your W-4 elections and subtracts pre-tax items like 401(k), HSA, and health premiums first, so the exact figure on your pay stub will differ.
Are there local or special taxes in Maryland?
Significant county income taxes (avg 2.4% of AGI). Two new top brackets (6.25% and 6.50%) added retroactive to Jan 1, 2025. Additional 2% surtax on capital gains income for filers with AGI over $350,000. Personal exemption phases out above $100k single / $150k married AGI. These are not included in this calculator's result.