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Updated for 2026 · IRS Pub 15-T

Massachusetts Paycheck Calculator 2026

Massachusetts taxes wages at a flat 5%, with a 4% surtax on income over $1,107,750 in 2026. Employers subtract up to $2,000 of Social Security and Medicare and your M-4 exemptions before withholding, and also deduct 0.46% for Paid Family & Medical Leave. Here's your estimated 2026 Massachusetts paycheck.

State income tax: 5% flat (+4% over $1.1M)PFML: 0.46% to $184,500Local income tax: None

Your pay

Massachusetts · 2026

Gross salary per year

$20k$100k$200k$300k$400k

Pay frequency

Federal filing status

Federal W-42020+ form

Step 2: multiple jobs or spouse worksChecked box on Form W-4 Step 2(c). Withholds at roughly double the rate on the same pay.

Step 3: dependents credit

4(a) Other income / yr

4(b) Deductions / yr

4(c) Extra withholding per paycheck

Massachusetts M-41 exemption

Exemptions (M-4)

Head of householdReduces Massachusetts withholding by $120 a year.

Extra MA withholding per paycheck

Pre-tax deductions401(k), HSA, health insurance

Traditional 401(k)0% · $0.00/check

HSA per paycheck

Medical/dental/vision

Other pre-tax (FSA, dependent care)

After-tax deductionsRoth 401(k), union dues, garnishments

Roth 401(k)0%

Other after-tax per paycheck

Estimated take-home pay

$2,473.33

per paycheck · every 2 weeks · from $3,269.23 gross

Planning estimate using the inputs shown. Income tax withholding is a prepayment, not your final tax bill or refund. Payroll settings, benefits and year-to-date wages can change your check. Methodology & 2026 sources.

76¢

of every dollar you earn reaches your bank

Paycheck breakdown
Gross pay	$3,269.23
Federal income tax	−$379.62
Social Security	−$202.69
Medicare	−$47.40
Massachusetts income tax	−$151.15
MA Paid Family & Medical Leave	−$15.04
Take-home	$2,473.33

Where each $100 goesannual totals

Take-home pay $75.65Federal $11.61Social Security $6.20Medicare $1.45Massachusetts $4.62MA Paid Family & Medical Leave $0.46

Effective rate

all taxes ÷ gross

24.3%

all taxes ÷ gross

Marginal rate

you keep $649 of a $1k raise

35.1%

you keep $649 of a $1k raise

Taxes per year

$1,724 a month

$20,694

$1,724 a month

What if you got a raise?

+5%

A 5% raise to $89,250 adds $106.06 to each every 2 weeks paycheck — $2,758 a year after tax (65% of the raise).

401(k) tip

Saving 5% ($163.46) only lowers your check by $119.32 — taxes cover the rest.

Same pay in New York

You'd take home $1.89 less per paycheck ($49/yr). Compare →

Massachusetts take-home pay by salary

Single filer, biweekly pay, no pre-tax deductions, 2026 withholding.

State take-home pay by salary, single filer, 2026
Salary	Federal	FICA	State	Take-home / yr	Monthly	Biweekly	Tax rate
$30,000	$1,420	$2,295	$1,318	$24,967	$2,081	$960	16.8%
$40,000	$2,620	$3,060	$1,864	$32,456	$2,705	$1,248	18.9%
$50,000	$3,820	$3,825	$2,410	$39,945	$3,329	$1,536	20.1%
$60,000	$5,020	$4,590	$2,956	$47,434	$3,953	$1,824	20.9%
$75,000	$7,670	$5,738	$3,775	$57,818	$4,818	$2,224	22.9%
$85,000	$9,870	$6,503	$4,321	$64,306	$5,359	$2,473	24.3%
$100,000	$13,170	$7,650	$5,140	$74,040	$6,170	$2,848	26.0%
$125,000	$18,734	$9,563	$6,505	$90,198	$7,517	$3,469	27.8%
$150,000	$24,734	$11,475	$7,870	$105,921	$8,827	$4,074	29.4%
$175,000	$30,734	$13,388	$9,235	$121,643	$10,137	$4,679	30.5%
$200,000	$36,734	$14,339	$10,529	$138,398	$11,533	$5,283	30.8%
$250,000	$51,304	$15,514	$13,029	$170,153	$14,179	$6,394	31.9%
$300,000	$68,134	$16,689	$15,529	$199,648	$16,637	$7,418	33.5%

Massachusetts withholds a flat 5% income tax — 9% on income above $1,107,750 — plus 0.46% for Paid Family & Medical Leave.

How Massachusetts withholding works

Under Circular M, your employer annualizes your wages, subtracts what you pay in Social Security and Medicare (up to $2,000 a year) and your M-4 exemption amount ($4,400 for one exemption, $1,000 more for each additional), and withholds 5%. Heads of household get a $120-a-year reduction.

The millionaire surtax

Since 2023 Massachusetts adds a 4% surtax on taxable income above an indexed threshold — $1,107,750 for 2026 — so the top marginal rate is 9%.

Paid Family & Medical Leave

The 2026 PFML contribution is 0.88% of wages up to the Social Security wage base; employers with 25 or more workers can deduct up to 0.46% from your pay (all of the family-leave share and 40% of the medical share).

No local income tax

Boston and other Massachusetts cities don't tax wages.

Frequently asked questions

How much is $75,000 a year after taxes in Massachusetts?+

A single filer earning $75,000 in Massachusetts takes home about $57,818 a year in 2026 — $4,818 a month or $2,224 every two weeks.

What is the Massachusetts income tax rate in 2026?+

5% on most income, plus a 4% surtax on taxable income above $1,107,750.

How many exemptions should I claim on my M-4?+

Usually 1 for yourself, plus 1 for a spouse and 1 per dependent. One exemption removes $4,400 of yearly wages from withholding; each extra one removes $1,000.

How much is $90,000 after taxes in Massachusetts?+

A single filer earning $90,000 in Massachusetts takes home about $67,551 a year ($5,629 a month).

What is MA PFML on my paycheck?+

Your share of the Paid Family and Medical Leave contribution — up to 0.46% of wages in 2026, capped at the $184,500 wage base.