Calculate your exact take-home pay after federal taxes, FICA, and Maryland's graduated income tax (up to 5.75%). Free, instant, based on confirmed 2026 tax tables.
Calculate your Maryland take-home pay
Enter your salary below — our calculator pre-loads Maryland taxes and updates instantly.
Maryland uses graduated income tax brackets. Most middle-income workers pay an effective rate well below the top rate of 5.75%.
Maryland has graduated income tax brackets up to 5.75% plus a mandatory county income tax that ranges from 2.25% to 3.2% depending on your county of residence.
What Comes Out
What's withheld from a Maryland paycheck?
Every Maryland paycheck has these deductions taken out before you see a cent.
Federal Income Tax
Based on your income, filing status, and 2026 federal brackets. Ranges from 10% to 37%.
Social Security (6.2%)
Flat 6.2% on wages up to $176,100. Same in every state.
Medicare (1.45%)
Flat 1.45% on all wages. An additional 0.9% applies above $200,000.
Maryland Income Tax (up to 5.75%)
Graduated brackets apply. Most workers pay an effective rate well below the 5.75% top rate.
Salary Estimates
What common salaries look like in Maryland
Estimated annual take-home for a Single filer with no pre-tax deductions. Federal tax uses simplified effective rates; state tax uses the 5.75% state rate. Use the calculator above for your exact figure.
Salary
Federal Tax
Maryland Tax (5.75%)
FICA (7.65%)
Take-Home
$45,000
−$4,725
−$2,588
−$3,443
$34,244
$65,000
−$9,100
−$3,738
−$4,973
$47,189
$85,000
−$14,450
−$4,888
−$6,503
$59,159
$120,000
−$24,000
−$6,900
−$9,180
$79,920
How It Compares
Is Maryland a high-tax or low-tax state?
Maryland is on the higher side of state income taxes, with a top rate of 5.75%. High earners feel this most acutely, while lower and middle-income workers often pay a meaningfully lower effective rate. Worth factoring in when comparing job offers across states.
Questions, Answered
Frequently asked questions about Maryland paychecks
It depends on your income level. Maryland uses graduated income tax brackets with a top rate of 5.75%. Lower earners pay progressively less. Most middle-income workers pay an effective rate significantly below the top rate. Use the calculator above to see your exact withholding.
On a $60,000 salary in Maryland, a single filer with standard deductions typically takes home approximately $45,000–$50,000 per year, depending on pre-tax deductions and filing status. Use the calculator above for a precise figure based on your situation.
Yes. In addition to Maryland state income tax, several cities levy their own income taxes: Baltimore City (3.2% county tax). Our full calculator accounts for these local taxes when you select your city.
To estimate your Maryland take-home pay: (1) Start with your gross annual salary. (2) Subtract pre-tax deductions — 401(k) contributions, health insurance premiums, and HSA deposits all reduce your taxable income. (3) Apply the 2026 federal income tax brackets (10%–37%) after the $15,750 federal standard deduction for single filers. (4) Deduct FICA — 6.2% Social Security on wages up to $176,100, and 1.45% Medicare on all wages. (5) Apply Maryland's graduated income tax brackets (top rate 5.75%) after the ~$2,550 state standard deduction. If you work in a city with a local income tax (such as Baltimore City), add that rate on top. The fastest path to a precise figure: use the calculator at the top of this page — it handles every step automatically with 2026 tax tables.
Maryland allows a standard deduction of approximately $2,550 for single filers in 2026. This is subtracted from your gross wages before state income tax is calculated, reducing both your taxable income and the withholding on each paycheck. Note this is separate from the $15,750 federal standard deduction, which applies only to your federal tax.
Calculate your exact Maryland take-home pay
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