Maryland Paycheck Calculator
See exactly what you keep after taxes in Maryland — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
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Effective tax rate 0%
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How Maryland take-home pay is calculated
Maryland's state income tax is moderately progressive, running from 2% to a new top rate of 6.5% for 2025, but the real bite on take-home pay comes from the mandatory local "piggyback" income tax that every county and Baltimore City charges on top of the state rate. Combined state-plus-local rates can reach roughly 9.8%, which makes Maryland's effective wage tax burden noticeably higher than the headline state rate suggests. Two new high-income brackets (6.25% and 6.5%) were added effective January 1, 2025, raising taxes on earners above $500,000.
Federal income tax
Progressive 10%–37%, applied after the federal standard deduction ($15,000 single / $30,000 married for 2025).
Social Security
6.2% of wages up to the $176,100 wage base.
Medicare
1.45% of all wages, plus 0.9% above $200,000.
Maryland state income tax
Progressive 2% – 6.5%.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- The 2025 Budget Reconciliation and Financing Act added two new top brackets — 6.25% on income above $500,000 (single)/$600,000 (joint) and 6.5% above $1,000,000 (single)/$1,200,000 (joint).
- The standard deduction was raised and the old income-based phase-in eliminated, reaching $3,350 for single filers and $6,700 for married-filing-jointly filers, with future indexing to inflation.
- Every Maryland county and Baltimore City levies a local income tax, ranging from about 2.25% up to a new maximum of 3.30%, layered on top of the state rate.
Maryland paycheck — frequently asked questions
How much is taken out of a paycheck in Maryland? +
In Maryland, federal income tax, Social Security (6.2%), Medicare (1.45%) and Maryland state income tax (2% – 6.5%) are withheld. Total withholding typically lands around 25%–35% of gross pay, depending on income and filing status.
What is take-home pay? +
Take-home pay (net pay) is the amount that actually reaches your bank account after all taxes and deductions are subtracted from your gross salary. It is always lower than your headline salary.
Does Maryland have a state income tax? +
Yes. Maryland has a progressive state income tax (2% – 6.5%), charged on top of federal income tax.
Is this Maryland paycheck calculator accurate? +
It gives a close estimate using 2025 federal and Maryland tax brackets, the standard deduction and FICA. Your actual paycheck can vary based on local taxes, additional withholdings, benefits and your W-4. It is an estimate, not tax advice.
Disclaimer: This calculator provides estimates for educational purposes only using 2025 tax figures and does not constitute tax, legal, or financial advice. Actual withholding depends on your W-4, local taxes, benefits, and other factors. Verify with a qualified professional or the relevant tax authority.