Maryland Take-Home Pay Calculator (2026 estimate)
Maryland uses a progressive state income tax — multiple brackets, with the top rate of 6.5% applying only to the highest earners. The calculator below combines federal, FICA, and Maryland state tax to estimate your take-home pay.
Take-home pay
Net annual
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Per month
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Per biweekly paycheck
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Federal income tax
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FICA (SS + Medicare)
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Maryland state tax
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Other state payroll
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Effective tax rate
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Marginal rate (next $)
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Maryland tax brackets (2026 thresholds)
| Rate | Single filer band |
|---|---|
| 2.00% | $0 – $1,000 |
| 3.00% | $1,000 – $2,000 |
| 4.00% | $2,000 – $3,000 |
| 4.75% | $3,000 – $100,000 |
| 5.00% | $100,000 – $125,000 |
| 5.25% | $125,000 – $150,000 |
| 5.50% | $150,000 – $250,000 |
| 5.75% | $250,000 – $500,000 |
| 6.25% | $500,000 – $1,000,000 |
| 6.50% | $1,000,000 – and up |
What the calculator does
For each gross annual salary, it estimates federal income-tax liability, FICA (6.2% Social Security up to the $184,500 wage cap + 1.45% Medicare), then Maryland income-tax liability using the brackets above. Pre-tax deductions reduce the modeled taxable income.
Scope: this is an annual planning estimate, not a payroll-withholding calculation. It does not model W-4 or state withholding elections, tax credits, itemized deductions, most local taxes, or employer-specific benefits.
Data sources
Comptroller of Maryland 2026. Dataset last reviewed 2026-06-08.
For high-stakes decisions, verify the current rules with the linked agency or a qualified tax professional.
FAQ
How is take-home pay in Maryland calculated?
Take-home = gross salary − federal income tax − FICA (Social Security + Medicare) − Maryland state income tax. This 2026 planning estimate uses the brackets and rates documented above. State thresholds may be from an earlier tax year; check the year labels and linked sources above.
What are Maryland's income tax brackets?
Maryland has 10 brackets ranging from 2% on the first dollars to 6.5% on the top dollars. Only the dollars in each band are taxed at that band's rate — a higher bracket doesn't mean your whole income gets the higher rate.
Anything special about Maryland taxes I should know?
Maryland added two new top brackets at 6.25% and 6.5% effective 2026 (retroactive to Jan 2025). Plus local county income tax 2.25%-3.20% — not included here.
What about local city or county taxes in Maryland?
Yes — see the note above. Local taxes vary by municipality and aren't included in this calculator.
Are these 2026 numbers accurate?
This is a planning estimate using the data vintage and sources shown above, last reviewed 2026-06-08. It is not an employer payroll-withholding calculation and does not include every credit, local tax, or employer-specific deduction. Verify the result with your state tax authority or a tax professional before relying on it.