Massachusetts paycheck calculator

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

State you live and work in

2026 rules for Massachusetts.

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

$1,824.37

$47,433.86 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
Massachusetts income tax	−$103.08	−$2,680.00
MA PFML	−$10.62	−$276.00
Take-home pay	$1,824.37	$47,433.86

Taxes as a share of pay: 20.9%
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 Massachusetts taxes your paycheck in 2026

Massachusetts taxes wages at a flat 5%, plus a 4% surtax on income over $1,107,750 in 2026. Withholding first subtracts up to $2,000 of Social Security and Medicare and an exemption of $4,400 for yourself, $4,000 more for a spouse and $1,000 per dependent. Most employees also pay 0.46% of wages for Paid Family and Medical Leave, up to $184,500 of wages. Traditional 401(k) contributions and pre-tax health premiums are not subject to income tax, and there are no local income taxes.

Massachusetts withholding rates, 2026: all filing statuses
Taxable income	Rate
$0 to $1,107,750	5%
Over $1,107,750	9%

Standard deduction: $0 single or married filing separately; $0 married filing jointly; $2,400 head of household.
Standard deduction: 7.65% of wages, between $0 and $2,000 for single filers.
Exemptions: $4,400 for you, $4,000 for a spouse, $1,000 per dependent.
A traditional 401(k) lowers your Massachusetts taxable wages; pre-tax health premiums do.

Massachusetts payroll contributions

Massachusetts employee payroll taxes, 2026
Contribution	Rate	Wages up to
MA PFML	0.46%	$184,500

City and county taxes

Massachusetts cities and towns do not tax wages.

What this calculator simplifies

We assume Form M-4 claims $4,400 for you; a claimed spouse counts as 4 more exemptions ($4,000), so married is $8,400; each dependent adds $1,000. If your spouse works and claims their own exemption, your withholding would be higher.
The deduction for Social Security and Medicare (or a public retirement system) is 7.65% of wages up to $2,000 a year; nearly everyone earning over about $26,150 reaches the $2,000 cap.
Head of household gets Massachusetts's $120 a year withholding credit, applied as a $2,400 deduction (worth $120 at 5%).
The 9% rate (5% plus the 4% surtax on income over $1,107,750) is applied to your yearly regular wages. On the 2026 return the surtax applies to all taxable income over the threshold, including investment income.
Blind and age-65 exemptions, and the $8,000 full-time-student rule, are not included.
Paid Family and Medical Leave is shown at the most an employee can be charged (0.46%); many employers pay part or all of it for you.
This is withholding, not your final tax: Massachusetts deductions for rent, dependents and similar credits on the return are not reflected.

Sources

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

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