Maryland Paycheck Calculator: Calculate Your Take-Home Pay
Maryland Paycheck Calculator — this free Maryland Paycheck Calculator estimates your take-home pay after federal tax, Maryland’s progressive state tax (2 %–6.50 %), FICA, and helps you understand the county “piggyback” tax that applies in all 24 Maryland jurisdictions.
A $75,000 salary in Maryland leaves approximately $58,241 after federal tax, state tax, and FICA before county tax. That is roughly $2,240 per biweekly paycheck. Maryland’s progressive state tax (2 %–6.50 %) combined with mandatory county income tax in all 24 jurisdictions creates one of the highest combined state-and-local tax burdens on the East Coast. Use this Maryland Paycheck Calculator to see exactly what reaches your bank account. The paycheck calculator above handles the federal and state layers automatically.
Quick version: On a $75,000 Maryland salary (single filer, $3,350 standard deduction), you pay approximately $7,670 in federal tax, $3,351 in Maryland state tax, and $5,738 in FICA. Your estimated take-home before county tax is $58,241 per year, or about $2,240 biweekly. County tax adds roughly $1,612–$2,364 per year depending on where you live. Use the Maryland Paycheck Calculator above for your exact breakdown.
This calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.
Paycheck Calculator
See your take-home pay after federal taxes, state taxes, FICA, and deductions. Select your state below. Adjust any value and results update in real time.
How to Use This Maryland Paycheck Calculator {#section-1}
Enter your gross annual salary or hourly rate, select your pay frequency and filing status. The calculator applies 2026 federal brackets, Maryland’s ten progressive brackets, and FICA automatically.
Maryland county tax is not included in the calculator because rates differ across 24 jurisdictions (23 counties plus Baltimore City). After getting your result, subtract your county rate from your Maryland taxable income to find your true take-home pay. If you contribute to a 401(k) pre-tax, enter that amount to see how it reduces your taxable income at both federal and state levels.
Understanding Your Maryland Paycheck {#section-2}
Your Maryland paycheck has four deduction layers: federal income tax, Maryland state income tax, county income tax (a “piggyback” tax on your state return), and FICA. That fourth layer — county tax — is what sets Maryland apart from most states.
Here is the breakdown for a $75,000 annual salary (single filer, standard deduction, before county tax):
| Deduction | Annual | Biweekly |
|---|---|---|
| Gross pay | $75,000 | $2,885 |
| Federal income tax | $7,670 | $295 |
| Maryland state tax | $3,351 | $129 |
| Social Security (6.2 %) | $4,650 | $179 |
| Medicare (1.45 %) | $1,088 | $42 |
| Take-home (before county) | $58,241 | $2,240 |
Your county tax reduces this further. In Montgomery County (the most common county for DC-area workers), the 3.20 % rate on Maryland taxable income ($71,650) subtracts another $2,293 per year, bringing take-home to approximately $55,948 or $2,152 biweekly.
Maryland also offers a $3,200 personal exemption per taxpayer (and per dependent), which phases out when federal AGI exceeds $100,000 for single filers ($150,000 for joint). If you qualify, your Maryland taxable income is lower than shown above, and your actual state and county taxes will be slightly less. The calculator does not apply this exemption, so your real-world withholding may be marginally lower.
Maryland Income Tax Brackets 2026 {#section-3}
Maryland uses a progressive system with ten brackets following the Budget Reconciliation and Financing Act of 2025 (HB 352, Chapter 604). Two new brackets at 6.25 % and 6.50 % were added effective for tax years beginning after December 31, 2024. The top rate of 6.50 % kicks in at $1,000,000 for single filers ($1,200,000 for joint filers).
Single / Married Filing Separately
| Taxable income | Rate |
|---|---|
| $0–$1,000 | 2.00 % |
| $1,001–$2,000 | 3.00 % |
| $2,001–$3,000 | 4.00 % |
| $3,001–$100,000 | 4.75 % |
| $100,001–$125,000 | 5.00 % |
| $125,001–$150,000 | 5.25 % |
| $150,001–$250,000 | 5.50 % |
| $250,001–$500,000 | 5.75 % |
| $500,001–$1,000,000 | 6.25 % |
| Over $1,000,000 | 6.50 % |
Married Filing Jointly / Head of Household
| Taxable income | Rate |
|---|---|
| $0–$1,000 | 2.00 % |
| $1,001–$2,000 | 3.00 % |
| $2,001–$3,000 | 4.00 % |
| $3,001–$150,000 | 4.75 % |
| $150,001–$175,000 | 5.00 % |
| $175,001–$225,000 | 5.25 % |
| $225,001–$300,000 | 5.50 % |
| $300,001–$600,000 | 5.75 % |
| $600,001–$1,200,000 | 6.25 % |
| Over $1,200,000 | 6.50 % |
Bracket-by-bracket calculation for $75,000 (single, $3,350 MD standard deduction, taxable income $71,650):
| Bracket | Taxable range | Tax |
|---|---|---|
| 2 % | $0–$1,000 | $20 |
| 3 % | $1,001–$2,000 | $30 |
| 4 % | $2,001–$3,000 | $40 |
| 4.75 % | $3,001–$71,650 | $3,261 |
| Total MD state tax | $3,351 |
Your effective state rate: $3,351 ÷ $75,000 = 4.47 %. The first three brackets (2 %–4 %) cover only $3,000 of income. The 4.75 % bracket absorbs nearly all your taxable income at this salary level, making Maryland’s progressive system behave almost like a flat tax for earners between $30,000 and $100,000. The new 6.25 % and 6.50 % brackets only affect filers with taxable income above $500,000.
Maryland also imposes an additional 2 % surtax on net capital gains for taxpayers with federal AGI exceeding $350,000 (effective for tax years beginning after December 31, 2024). This surtax does not apply to gains from the sale of a primary residence under $1 million or assets in retirement accounts.
Maryland County Income Tax 2026 {#section-4}
Every Maryland county and Baltimore City levies a local income tax called the “piggyback tax” because it rides on top of your state return. Your employer withholds it automatically based on your county of residence as declared on Form MW507.
The maximum allowable county rate was raised from 3.20 % to 3.30 % under HB 352, effective for tax years beginning after December 31, 2024. For 2026, two counties increased their rates: Allegany County rose from 3.03 % to 3.20 %, and Kent County rose from 3.20 % to 3.30 %.
Here are the rates for Maryland’s most populated jurisdictions plus notable extremes (county tax is applied to Maryland taxable income):
| County | 2026 Rate | On $71,650 taxable | Biweekly impact |
|---|---|---|---|
| Montgomery | 3.20 % | $2,293 | $88 |
| Prince George’s | 3.20 % | $2,293 | $88 |
| Baltimore County | 3.20 % | $2,293 | $88 |
| Baltimore City | 3.20 % | $2,293 | $88 |
| Howard | 3.20 % | $2,293 | $88 |
| Harford | 3.06 % | $2,192 | $84 |
| Kent | 3.30 % | $2,364 | $91 |
| Dorchester | 3.30 % | $2,364 | $91 |
| Worcester (lowest) | 2.25 % | $1,612 | $62 |
Anne Arundel and Frederick counties use progressive local tax schedules with rates varying by income bracket and filing status. For a single filer with $71,650 in taxable income, Anne Arundel County charges 2.70 % on the first $50,000 and 2.94 % on the remainder, totaling approximately $1,987 per year ($76 biweekly).
The difference between the highest county rate (3.30 %, Kent/Dorchester) and the lowest (2.25 %, Worcester) on $71,650 taxable income is $752 per year or $29 per paycheck.
Maryland has reciprocal income tax agreements with the District of Columbia, Virginia, Pennsylvania, and West Virginia. If you live in Maryland but work in DC, your DC employer should withhold Maryland tax (not DC tax) once you file a D‑4A exemption certificate with your employer. You file only a Maryland return for wage income earned in those reciprocal states.
The full county rate schedule is published by the Comptroller of Maryland and in the 2026 State and Local Withholding Information (PDF).
Federal Tax Brackets 2026 {#section-5}
The Internal Revenue Service applies federal income tax the same way in every state. On $75,000 (single filer):
Subtract the standard deduction: $75,000 − $16,100 = $58,900 taxable income. Then apply each bracket:
| Bracket | Taxable range | Tax |
|---|---|---|
| 10 % | $0–$12,400 | $1,240 |
| 12 % | $12,401–$50,400 | $4,560 |
| 22 % | $50,401–$58,900 | $1,870 |
| Total federal tax | $7,670 |
Your effective federal rate is 10.2 %. The full 2026 federal bracket schedule (single filer) is:
| Rate | Taxable income range |
|---|---|
| 10 % | $0–$12,400 |
| 12 % | $12,401–$50,400 |
| 22 % | $50,401–$105,700 |
| 24 % | $105,701–$201,775 |
| 32 % | $201,776–$256,225 |
| 35 % | $256,226–$640,600 |
| 37 % | Over $640,600 |
The 2026 standard deduction is $16,100 for single filers and $32,200 for married filing jointly, per IRS Revenue Procedure 2025‑32.
FICA: Social Security and Medicare {#section-6}
FICA deductions are identical in every state:
Social Security: 6.2 % on earnings up to $184,500 (the 2026 wage base from the Social Security Administration). On $75,000: $4,650. The maximum Social Security tax for 2026 is $11,439.
Medicare: 1.45 % on all earnings, plus a 0.9 % Additional Medicare Tax on wages above $200,000 for single filers ($250,000 for joint filers). On $75,000: $1,088.
Total FICA: $5,738 per year, $221 per biweekly paycheck.
Your employer matches these amounts. For a $75,000 earner in Montgomery County: 10.2 % federal effective + 4.47 % state effective + 3.06 % county effective (on gross) + 7.65 % FICA = 25.4 % total effective rate. That leaves roughly 74.6 % as take-home pay. Once your wages exceed $184,500 in a calendar year, Social Security withholding stops, making December paychecks noticeably larger for higher earners.
FAQ {#section-7}
What percent is taken out of a paycheck in Maryland?
Federal tax (10 %–37 % marginal), Maryland state tax (2 %–6.50 %), county tax (2.25 %–3.30 %), Social Security (6.2 %), and Medicare (1.45 %). On $75,000 in Montgomery County, the combined effective rate is approximately 25.4 % before accounting for the personal exemption.
Does Maryland have local income tax?
Yes. All 23 counties and Baltimore City levy mandatory income tax ranging from 2.25 % to 3.30 %. Most major jurisdictions (Montgomery, Prince George’s, Baltimore County, Baltimore City, Howard) charge 3.20 %. The new maximum of 3.30 % applies to Kent County and Dorchester County for 2026.
How much is $75,000 after taxes in Maryland?
Before county tax: approximately $58,241 per year or $2,240 biweekly. After Montgomery County’s 3.20 %: approximately $55,948 or $2,152 biweekly (single filer, standard deduction only). If you also claim the $3,200 personal exemption, your take-home increases by roughly $152 per year.
How much is $50,000 after taxes in Maryland?
On $50,000 (single, $3,350 MD standard deduction): MD taxable $46,650; state tax $2,163; federal tax $3,820; FICA $3,825. Take-home before county tax: approximately $40,192 per year or $1,546 biweekly.
How much is $100,000 after taxes in Maryland?
On $100,000 (single, $3,350 MD standard deduction): MD taxable $96,650; state tax $4,538; federal tax $13,170; FICA $7,650. Take-home before county tax: approximately $74,642 per year or $2,871 biweekly.
How does Maryland compare to Virginia and Pennsylvania?
Maryland’s combined state-plus-county burden is heavier than both neighbors at $75,000. Virginia’s top rate is 5.75 % with no county income tax, resulting in roughly $3,552 in state tax on $75,000. Pennsylvania charges a flat 3.07 % plus local earned income tax (EIT) in some municipalities. On $75,000, a Montgomery County MD resident pays roughly $2,100 more per year in state-plus-local income tax than a Northern Virginia resident and $2,500 more than most PA residents outside Philadelphia.
Is overtime taxed at a higher rate in Maryland?
No. Maryland’s progressive brackets apply to total annual income regardless of whether it came from regular hours or overtime. Your employer may withhold at a higher rate on overtime paychecks, but the correct rate applies when you file your annual return.
Can I deduct Maryland county tax on my federal return?
Yes. County income tax qualifies as a state and local tax (SALT) deduction. The SALT deduction cap is $40,400 for 2026 under the One Big Beautiful Bill Act (indexed from $40,000 in 2025). The cap phases down for taxpayers with MAGI above $500,000. Most Maryland earners under $200,000 will stay well under this cap.
What changed in Maryland taxes for 2026?
Two major changes took effect. First, HB 352 (signed 2025) added two new state brackets: 6.25 % on taxable income from $500,001–$1,000,000 and 6.50 % over $1,000,000 (single), with higher thresholds for joint filers. The standard deduction was also increased to $3,350 (single) / $6,700 (joint). Second, the maximum local income tax rate was raised from 3.20 % to 3.30 %. For 2026 specifically, Allegany County increased to 3.20 % and Kent County to 3.30 %.
What is the best Maryland Paycheck Calculator for 2026?
The Kalkfy Maryland Paycheck Calculator applies the updated 2026 federal brackets, Maryland’s ten progressive state brackets including the new 6.25 % and 6.50 % rates, and FICA automatically. For the county layer, refer to the county table above and subtract manually.
Sources {#section-8}
- IRS Revenue Procedure 2025‑32 — Tax Inflation Adjustments for Tax Year 2026 — 2026 federal brackets and standard deductions ($16,100 single / $32,200 MFJ)
- Social Security Wage Base 2026 — SSA — $184,500 wage base, 6.2 % rate
- IRS Topic 751 — Additional Medicare Tax
- Comptroller of Maryland — 2026 State and Local Income Tax Withholding Information (PDF) — All 24 county rates, state bracket tables, personal exemption $3,200
- Comptroller of Maryland — Payroll Changes Effective January 1, 2026 (PDF) — Personal exemption phase-out schedule, bracket tables, FICA
- Comptroller of Maryland — Tax Alert: Changes to Standard and Itemized Deductions and to State and Local Income Tax Rates (PDF, Dec 22, 2025) — Standard deduction $3,350/$6,700, new 6.25 %/6.50 % brackets, county max 3.30 %, itemized deduction phase-out
- NFC Bulletin 26-1772552688 — Maryland State and Counties Income Tax Withholding (Mar 5, 2026) — Allegany 3.20 %, Kent 3.30 %, Anne Arundel/Frederick progressive tables, withholding formula
- Tax Foundation — State Individual Income Tax Rates and Brackets 2026 — Cross-state rate comparisons
- Citrin Cooperman — Sweeping Maryland Tax Changes Enacted in FY 2026 Budget Bill — HB 352 summary including capital gains surtax, PTE changes, sales tax expansion
- Comptroller of Maryland — Administrative Release No. 3 — Reciprocal agreements with DC, VA, PA, WV
Whether you are weighing a job in the Baltimore area or comparing Maryland’s tax burden to neighboring states, this Maryland Paycheck Calculator gives you the full federal, state, and FICA breakdown. For county-specific rates, check the Comptroller’s schedule above. For all 50 states, visit the paycheck calculator hub. Compare neighboring states with the Virginia paycheck calculator or the Pennsylvania paycheck calculator. See what your profession pays at the salary calculator.
This calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.
This calculator provides estimates for informational purposes only. Actual amounts may vary based on additional deductions, local taxes, and employer-specific withholdings. Consult your HR department or a licensed tax professional for exact figures.