Massachusetts Take-Home Pay Calculator (2026)
Massachusetts uses a progressive state income tax — multiple brackets, with the top rate of 9% applying only to the highest earners. The calculator below combines federal, FICA, and Massachusetts state tax to show your actual 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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Massachusetts 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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Massachusetts tax brackets (2026)
| Rate | Single filer band |
|---|---|
| 5.00% | $0 – $1,083,150 |
| 9.00% | $1,083,150 – and up |
Extra Massachusetts payroll taxes
- Paid Family & Medical Leave (PFML) — employee share — 0.378%, capped at $184,500.
What the calculator does
For each gross salary, it applies the 2026 federal brackets, FICA (6.2% Social Security up to the $184,500 wage cap + 1.45% Medicare on everything), then Massachusetts's state income tax using the brackets above, then sums any additional Massachusetts payroll taxes. Pre-tax deductions (401(k), HSA, etc.) reduce your taxable income before any of the above runs.
Source
Massachusetts DOR / Mass.gov PFML. Verified 2026-06-08. For high-stakes financial decisions, double-check the current rates with your state's Department of Revenue.
FAQ
How is take-home pay in Massachusetts calculated?
Take-home = gross salary − federal income tax − FICA (Social Security + Medicare) − Massachusetts state income tax − state payroll taxes like Paid Family & Medical Leave (PFML) — employee share. The calculator above runs each piece through the published 2026 brackets and rates.
What are Massachusetts's income tax brackets?
Massachusetts has 2 brackets ranging from 5% on the first dollars to 9% 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.
What other Massachusetts payroll taxes come out of my paycheck?
Massachusetts workers also pay: Paid Family & Medical Leave (PFML) — employee share (0.378%, capped at $184,500). These are separate from federal FICA.
Anything special about Massachusetts taxes I should know?
Flat 5% on income, plus 4% surtax (effective 9% total) on income over $1,083,150.
What about local city or county taxes in Massachusetts?
Massachusetts doesn't have widespread local income taxes for most workers, so the calculator above covers the main paycheck deductions. If you live in a city with a local income tax, add that separately.
Are these 2026 numbers accurate?
These brackets reflect the published 2026 rates as of January 2026. Each state's tax authority is cited in the page source. Rates can change mid-year via legislation; verify with your state's Department of Revenue before relying on these for financial decisions.