💡 Select your city/county above — the largest jurisdictions are computed; smaller ones still aren't covered (see methodology below).
Paid hourly instead? Try our Maryland hourly paycheck calculator →
Calculating a bonus? Try our Maryland bonus paycheck calculator →
1099 or self-employed? Try our Maryland self-employment tax calculator →
Converting an hourly rate or gross↔net? Try the salary converter →
How to Calculate Your Maryland Take-Home Pay
- Start with your gross annual salary.
- Subtract the 2026 federal standard deduction ($16,100 single) to get taxable income, then apply the 2026 federal brackets (10%-37%).
- Subtract FICA: 6.2% Social Security (up to the $184,500 wage base) + 1.45% Medicare (all wages, +0.9% above $200,000).
- Subtract Maryland's $2,550 standard deduction from gross wages, then apply the 9-bracket state schedule (2%-6.50%) marginally.
- What's left is your net take-home pay before any local tax.
Example: $65,000/year gross salary, single filer, Maryland resident.
- Federal tax: $5,620
- FICA: $4,972.5
- Maryland state tax: Marginal tax on $62,450 taxable income (after $2,550 deduction) = $2,913.88
- Net annual pay: $65,000 - $13,506.38 = $51,493.62 (≈$4,291.14/month)
How Maryland Paycheck Tax Is Calculated (2026)
Source: Comptroller of Maryland| Taxable income bracket | Rate |
|---|---|
| $0 – $1,000 | 2% |
| $1,000 – $2,000 | 3% |
| $2,000 – $3,000 | 4% |
| $3,000 – $100,000 | 4.75% |
| $100,000 – $125,000 | 5% |
| $125,000 – $150,000 | 5.25% |
| $150,000 – $250,000 | 5.50% |
| $250,000 – $500,000 | 5.75% |
| $500,000 – $1,000,000 | 6.25% |
| $1,000,000 – + | 6.50% |
Standard deduction (single): $2,550, subtracted from gross income before applying brackets.
Federal Tax & FICA (shared across all states)
| Filing status | Standard deduction |
|---|---|
| Single | $16,100 |
| Married Filing Jointly | $32,200 |
| Head of Household | $24,150 |
| Federal brackets (all filing statuses) | 10% / 12% / 22% / 24% / 32% / 35% / 37% |
|---|---|
| Social Security | 6.2% up to $184,500 wage base |
| Medicare | 1.45% on all wages, +0.9% above $200,000 single/HoH, $250,000 MFJ |
⚠️ Maryland's married-filing-jointly and head-of-household state brackets have not yet been independently verified against the primary source above — this calculator uses Maryland's single-filer brackets as an estimate when those statuses are selected.
Guideline version 2026-MD-v2 · Last verified 2026-08-19
Maryland Paycheck Calculator FAQ
What are Maryland's income tax brackets for 2026?
Maryland uses 9 marginal brackets ranging from 2% to 6.50%. Standard deduction: $2,550 for single filers.
How much is take-home pay on $65,000 in Maryland?
On a $65,000 gross salary, a single filer in Maryland takes home roughly $51,493.62/year (about $4,291.14/month) after federal tax, FICA, and state tax — before any local tax.
What deductions does Maryland apply before taxing my income?
Maryland applies a $2,550 standard deduction, before its marginal bracket schedule. See the "How Maryland Paycheck Tax Is Calculated" section above for the exact formula.
Does this estimate change if I'm married or have dependents?
This calculator uses single-filer figures only (v1 scope). Married filing jointly typically uses different federal and Maryland state brackets and a larger standard deduction — your actual take-home pay will differ. Dependents can also reduce federal withholding via the W-4. Check Comptroller of Maryland's married-filing-jointly tables for a precise figure.
Does this calculator include Maryland local or city income tax?
Every Maryland county plus Baltimore City adds a local "piggyback" income tax of 1.75%-3.2% on the same return — this is one of the largest local-tax gaps in this calculator. Combined state+local can reach ~8.95%. Not computed here; check your county's rate.
Methodology & Source
Maryland state tax figures sourced from Comptroller of Maryland (https://www.marylandtaxes.gov/), citing Md. Code, Tax-General § 10-105 — 2026 budget act added 6.25% ($500k-$1M) and 6.5% (>$1M) brackets. Federal brackets, standard deductions (single/MFJ/HoH), and FICA constants sourced from the IRS (Revenue Procedure 2025-32; married-filing-jointly Additional Medicare threshold of $250,000 is a separate, unindexed statutory figure). Maryland's married-filing-jointly and head-of-household figures are not yet independently verified and currently fall back to single-filer brackets — see the caveat in the formula section above.
Local tax figures sourced from Comptroller of Maryland county income tax rate table. Rates cross-checked against two independent secondary sources 2026-07-29 (countrytaxcalc.com, statebystatetax.com); both agree exactly on the 7 counties listed except Carroll County (3.03% vs 3.05% — dropped from this list rather than guess between them). Anne Arundel and Frederick Counties were excluded entirely: both switched to a tiered/graduated local rate structure rather than a single flat rate, which this calculator's flat-rate model cannot represent without misleading users — they fall under "Other Maryland county" until a tiered option is built. Maryland has 23 counties total; only the 7 largest flat-rate counties are covered below.
This is an estimate based on standard single-filer federal, FICA, and MD state calculations. Actual withholding may differ based on your W-4 elections, pre-tax deductions, and other factors.
Guideline version: 2026-MD-v2 · Effective: 2026-01-01 · Last verified: 2026-08-19