Paycheck calculator
Maryland paycheck calculator
2026 federal, FICA and Maryland withholding. Change any field; the pay stub updates.
Take-home pay$1,774.80every two weeks · $46,145 a year
| Item | Per paycheck | Per year |
|---|---|---|
| Earnings | ||
| Gross pay | $2,307.69 | $60,000.00 |
| Taxes | ||
| Federal income tax | −$193.08 | −$5,020.00 |
| Social Security (6.2%) | −$143.08 | −$3,720.00 |
| Medicare (1.45%) | −$33.46 | −$870.00 |
| Maryland income tax | −$97.56 | −$2,536.50 |
| Montgomery County local tax | −$65.72 | −$1,708.80 |
| Total taxes | −$532.90 | −$13,855.30 |
| Net pay | $1,774.80 | $46,144.70 |
Taxes take 23.1% of gross pay in Maryland. Your top federal withholding bracket is 12%.
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How a Maryland paycheck is taxed: state plus county
Every Maryland resident's paycheck carries two income taxes: the state tax and a local tax set by the county (or Baltimore City) where the employee lives[md1]. Both are applied to the same taxable figure, so this Maryland paycheck calculator asks for your county of residence first.
The Comptroller's percentage method takes four steps[md2]:
- Start from wages before deductions, then subtract a standard deduction allowance of $3,400 a year ($130.76 per bi-weekly check).
- Multiply the number of exemptions on Form MW507 by $3,200 a year ($123.08 bi-weekly).
- Subtract that from wages to get taxable income.
- Apply the state rate and the county rate for where you live.
Maryland law does not allow rates under 4.75% for withholding, even though the annual return starts at 2%, so the withholding schedule begins at 4.75%[md1]. The single column applies to single filers, married people filing separately and dependents; the joint column covers married filing jointly, head of household and surviving spouses.
| State rate | Single / married filing separately | Joint / head of household |
|---|---|---|
| 4.75% | $0 – $100,000 | $0 – $150,000 |
| 5.00% | $100,000 – $125,000 | $150,000 – $175,000 |
| 5.25% | $125,000 – $150,000 | $175,000 – $225,000 |
| 5.50% | $150,000 – $250,000 | $225,000 – $300,000 |
| 5.75% | $250,000 – $500,000 | $300,000 – $600,000 |
| 6.25% | $500,000 – $1,000,000 | $600,000 – $1,200,000 |
| 6.50% | Over $1,000,000 | Over $1,200,000 |
Pre-tax 401(k) deferrals and health premiums come off before step one, because Maryland's exceptions to taxable wages are similar to the federal ones[md2].
Maryland county income tax rates for 2026
Local rates for 2026 range from 2.25% in Worcester County to 3.30% in Dorchester and Kent. 12 of the 24 jurisdictions, including Montgomery, Prince George's, Baltimore County and Baltimore City, charge 3.20%[md1]. Allegany rose from 3.03% to 3.20% and Kent from 3.20% to 3.30% this year[md4].
| County | Rate |
|---|---|
| Allegany | 3.20% |
| Anne Arundel | Tiered (see below) |
| Baltimore County | 3.20% |
| Calvert | 3.20% |
| Caroline | 3.20% |
| Carroll | 3.03% |
| Cecil | 2.74% |
| Charles | 3.03% |
| Dorchester | 3.30% |
| Frederick | Tiered (see below) |
| Garrett | 2.65% |
| Harford | 3.06% |
| Howard | 3.20% |
| Kent | 3.30% |
| Montgomery | 3.20% |
| Prince George's | 3.20% |
| Queen Anne's | 3.20% |
| St. Mary's | 3.20% |
| Somerset | 3.20% |
| Talbot | 2.40% |
| Washington | 2.95% |
| Wicomico | 3.20% |
| Worcester | 2.25% |
| Baltimore City | 3.20% |
| Nonresident (no county) | 2.25% special state rate |
Anne Arundel and Frederick use brackets. Anne Arundel charges 2.70% on the first $50,000 of taxable income ($75,000 joint), 2.94% up to $400,000 ($480,000 joint) and 3.20% above. Frederick sets one rate for the taxpayer's whole taxable income by bracket: 2.25% up to $25,000, 2.75% to $50,000 ($100,000 joint), 2.96% to $150,000 ($250,000 joint) and 3.20% beyond[md1]. The calculator applies those published brackets to annual taxable wages, slice by slice for Anne Arundel and as a single rate for Frederick, following the wording of each county's rule.
The county choice matters. On $60,000, total Maryland withholding is $3,738 a year in Worcester and $4,299 in Kent. Paper withholding tables group the rates into a handful of columns and tell employers to pick the one at or just above the actual rate, so manual payrolls can withhold slightly more than the exact figure shown here.
Form MW507, exemptions and nonresidents
Form MW507 sets your exemption count, your filing column and your county[md3]. Employers treat every exemption as worth $3,200. Higher earners are expected to claim fewer, because the value of a personal exemption shrinks on the return once federal AGI passes $100,000 (single) or $150,000 (joint):
| Federal AGI | Single or married filing separately | Joint, head of household, surviving spouse |
|---|---|---|
| $100,000 or less | $3,200 | $3,200 |
| $100,001 – $125,000 | $1,600 | $3,200 |
| $125,001 – $150,000 | $800 | $3,200 |
| $150,001 – $175,000 | $0 | $1,600 |
| $175,001 – $200,000 | $0 | $800 |
| Over $200,000 | $0 | $0 |
Without an MW507, the employer withholds as if one exemption were claimed[md2]. Residents of the District of Columbia, Virginia and West Virginia who keep no Maryland home for 183 days can claim exemption on line 4. Pennsylvania residents can drop the state portion on line 5 but still owe the local rate of the Maryland county where they work, unless lines 6 or 7 apply. Other nonresidents pay no county tax; instead a special nonresident rate of 2.25% is added, which brings this example to $3,738 a year.
Maryland changes for 2026: new top rates, bonuses and FAMLI
The 2025 Budget Reconciliation and Financing Act added two state brackets: 6.25% on taxable income above $500,000 ($600,000 joint) and 6.50% above $1 million ($1.2 million joint). The same law set a flat standard deduction, dropped its income-based phase-in and indexed it to the cost of living[md4]. For 2026 withholding that allowance is $3,400, up from $3,350.
- Annual bonuses paid as a lump sum are withheld at the top state rate (6.50%) plus the highest local rate for your county, 9.70% in total for a 3.20% county[md2].
- Low earners: no Maryland tax is withheld when pay is below $192 for a bi-weekly period ($5,000 a year). Single workers and students whose only income stays under $15,750 ($17,750 at 65 or older) are also outside withholding.
- Paid family leave: Maryland's FAMLI program begins payroll deductions on January 1, 2027, so 2026 paychecks have no FAMLI line[md5].
Commuters weighing a move can run the same salary through the Virginia, District of Columbia or Pennsylvania calculators.
Maryland take-home pay on common salaries
| Salary | Federal tax | FICA | State + local | Per paycheck | Per year |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $1,860 | $939.41 | $24,425 |
| $40,000 | $2,620 | $3,060 | $2,655 | $1,217.87 | $31,665 |
| $50,000 | $3,820 | $3,825 | $3,450 | $1,496.33 | $38,905 |
| $60,000 | $5,020 | $4,590 | $4,245 | $1,774.80 | $46,145 |
| $75,000 | $7,670 | $5,738 | $5,438 | $2,159.80 | $56,155 |
| $100,000 | $13,170 | $7,650 | $7,425 | $2,759.80 | $71,755 |
| $150,000 | $24,734 | $11,475 | $11,555 | $3,932.16 | $102,236 |
Worked example: $60,000 in Maryland
- Gross pay: $60,000 a year ÷ 26 paychecks = $2,307.69.
- Federal income tax: the IRS percentage method annualizes $60,000 of taxable wages, subtracts the $8,600 built into the 2026 tables for a standard W-4, and applies the brackets (top rate 12%): $193.08[p15t].
- FICA: 6.2% Social Security $143.08 plus 1.45% Medicare $33.46[tc751].
- Maryland: Maryland income tax $97.56, Montgomery County local tax $65.72.
- Net pay: $1,774.80 per paycheck, $46,145 a year (76.9% of gross).
Compare Maryland with nearby states
Same $60,000 salary, different state: Virginia $1,836.70 · Pennsylvania $1,842.53 per paycheck. The state tax calculator ranks every state we cover on one salary, and the paycheck calculator switches states in one click. Hourly? Add overtime with the time and a half calculator.
Frequently asked questions
How much is $60,000 after taxes in Maryland?
About $46,145 a year, or $1,774.80 every two weeks, for a single Montgomery County resident with a standard W-4 and one MW507 exemption. State tax is about $2,537, county tax $1,709, federal income tax $5,020 and FICA $4,590.
Why does my Maryland paycheck show a county tax?
All 23 Maryland counties and Baltimore City levy a local income tax on residents, collected through the same state withholding. It is figured on the same taxable wages as the state tax, at your county's rate (2.25% to 3.30% in 2026).
What is the highest Maryland income tax rate in 2026?
6.50% on taxable income over $1 million (single) or $1.2 million (joint), added by the 2025 budget law. With a 3.20% county rate, the combined top withholding rate is 9.70%.
Is there a Maryland paid family leave deduction in 2026?
No. Maryland FAMLI contributions start with paychecks on January 1, 2027, and benefits begin in January 2028.
Sources
- Maryland Withholding Tax Facts, January 2026 – December 2026
- Maryland Employer Withholding Guide (effective January 2026)
- Form MW507, Employee's Maryland Withholding Exemption Certificate (2026)
- Tax Alert: Changes to Standard and Itemized Deductions and to State and Local Income Tax Rates from the 2025 Legislative Session
- Maryland FAMLI Frequently Asked Questions (April 2026)
- Publication 15-T (2026), Federal Income Tax Withholding Methods
- Topic no. 751, Social Security and Medicare withholding rates
- Contribution and Benefit Base ($184,500 for 2026)