Maryland paycheck calculator

Take-home pay in Maryland after federal and Maryland income tax, Social Security, Medicare and your deductions, using the 2026 withholding rules.

State you live and work in

2026 rules for Maryland.

City or county tax

Only if you live (or work) where it applies.

Pay

I'm paid

Salary (per year, before taxes)

How often you're paid

Your Form W-4

Filing status

Children under 17

$2,200 each in Step 3, if your income is $200,000 or less ($400,000 married filing jointly).

Other dependents

$500 each in Step 3.

Pre-tax and after-tax deductions

401(k) or 403(b) contribution

Traditional (pre-tax). Put a Roth contribution under after-tax deductions.

Health insurance, HSA and FSA

Pre-tax premiums and contributions through payroll; they also lower Social Security and Medicare.

After-tax deductions

Roth 401(k), union dues, garnishments.

More Form W-4 options

Step 2: two jobs, or married and your spouse works

Only if you checked the box in Step 2(c) of your W-4.

Step 4(a): other income (per year)

Step 4(b): deductions (per year)

From the W-4's Deductions Worksheet: tips, overtime, car loan interest, the senior deduction, itemizing.

Step 4(c): extra withholding

Take-home pay per paycheck

$1,840.51

$47,853.36 a year from $59,999.94 gross, 26 paychecks.

Gross pay, each deduction and take-home pay, per paycheck and per year
Item	Per paycheck	Per year
Gross pay	$2,307.69	$59,999.94
Federal income tax	−$193.08	−$5,020.08
Social Security	−$143.08	−$3,720.00
Medicare	−$33.46	−$870.00
Maryland income tax	−$97.56	−$2,536.50
Take-home pay	$1,840.51	$47,853.36

Taxes as a share of pay: 20.2%
Federal taxable wages (year): $59,999.94

Estimates for planning, not tax advice. Your employer's payroll may round differently, and your tax bill when you file can differ from what's withheld.

How Maryland taxes your paycheck in 2026

Maryland withholds state income tax at 4.75% on taxable wages up to $100,000 ($150,000 joint or head of household), rising in steps to 6.5% above $1 million ($1.2 million joint). Withholding first subtracts a $3,400 standard deduction and $3,200 for each exemption you claim. Every resident also pays a county or Baltimore City income tax of 2.25% to 3.30% on the same taxable income. Traditional 401(k) contributions and pre-tax health premiums are not taxed, and the state paid leave (FAMLI) deduction does not begin until 2027.

Maryland withholding rates, 2026: single or married filing separately
Taxable income	Rate
$0 to $100,000	4.75%
$100,000 to $125,000	5%
$125,000 to $150,000	5.25%
$150,000 to $250,000	5.5%
$250,000 to $500,000	5.75%
$500,000 to $1,000,000	6.25%
Over $1,000,000	6.5%

Maryland withholding rates, 2026: married filing jointly
Taxable income	Rate
$0 to $150,000	4.75%
$150,000 to $175,000	5%
$175,000 to $225,000	5.25%
$225,000 to $300,000	5.5%
$300,000 to $600,000	5.75%
$600,000 to $1,200,000	6.25%
Over $1,200,000	6.5%

Maryland withholding rates, 2026: head of household
Taxable income	Rate
$0 to $150,000	4.75%
$150,000 to $175,000	5%
$175,000 to $225,000	5.25%
$225,000 to $300,000	5.5%
$300,000 to $600,000	5.75%
$600,000 to $1,200,000	6.25%
Over $1,200,000	6.5%

Standard deduction: $3,400 single or married filing separately; $3,400 married filing jointly; $3,400 head of household.
Exemptions: $3,200 for you, $3,200 for a spouse, $3,200 per dependent.
A traditional 401(k) lowers your Maryland taxable wages; pre-tax health premiums do.

City and county taxes

Every Maryland resident also pays a county (or Baltimore City) income tax on the same taxable income as the state tax, at 2.25% to 3.30% for 2026. Pick the county you live in on December 31. Anne Arundel and Frederick counties use income-based rates; Allegany (3.20%) and Kent (3.30%) changed for 2026. Nonresidents who work in Maryland pay no county tax but have an extra 2.25% state tax withheld instead.

What this calculator simplifies

We assume Form MW507 claims $3,200 each for you, your spouse when married, and each dependent. People who expect federal adjusted gross income over $100,000 ($150,000 joint or head of household) must claim less: an exemption is worth $1,600 or $800 at higher incomes and nothing above $150,000 ($200,000 joint), so their withholding is a little higher than shown here.
Withholding uses one $3,400 standard deduction for everyone and skips the 2%, 3% and 4% rates on the first $3,000 of taxable income (Maryland law says withholding ignores rates below 4.75%). On the 2026 return the standard deduction is a flat amount by filing status and those lower rates apply, so the year-end tax is usually a little lower than what is withheld.
County tax uses the actual 2026 county rate on the same taxable income. Employers using the Comptroller's tables round the county rate up to the next table (for example Carroll 3.03% is withheld at 3.05%, Harford 3.06% at 3.10%), so actual withholding can be slightly higher.
Frederick County charges a single rate on all of your taxable income, set by the tier your income falls in (single: 2.25% up to $25,000, 2.75% up to $50,000, 2.96% up to $150,000, 3.20% above; joint and head of household: 2.25% up to $25,000, 2.75% up to $100,000, 2.96% up to $250,000, 3.20% above). The calculator figures it that way.
Anne Arundel County's rates (2.70%, 2.94%, 3.20%) each apply only to the slice of income in their bracket, as the county ordinance describes them.
Single employees and students whose only income is below $15,750 a year can claim exemption from withholding; the calculator does not apply that exemption.
This is withholding, not your final tax: Maryland's earned income credit, child tax credit and other credits are not reflected.

Sources

How every number is worked out is on the methodology page.

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