Massachusetts Paycheck Calculator
See exactly what you keep after taxes in Massachusetts — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
$0 per year
Effective tax rate 0%
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How Massachusetts take-home pay is calculated
Massachusetts levies a flat 5% income tax on most wage income, so take-home pay does not shrink as you climb into higher earnings the way it does in graduated-bracket states. A 4% "millionaires" surtax adds to that on taxable income above $1,083,150 (2025 threshold), pushing the top rate to 9% for very high earners. There are no city or county income taxes, but a small Paid Family and Medical Leave payroll deduction is withheld from wages.
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.
Massachusetts state income tax
Progressive Flat 5% (9% over $1,083,150).
Paid Family and Medical Leave (PFML)
0.46% of wages.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- Flat 5% individual income tax rate applies to nearly all wage income regardless of how much you earn
- A 4% surtax on taxable income above $1,083,150 (inflation-adjusted for 2025) raises the top effective rate to 9%
- Massachusetts has no standard deduction; instead it uses personal exemptions of $4,400 for single filers and $8,800 for married filing jointly
Massachusetts paycheck — frequently asked questions
How much is taken out of a paycheck in Massachusetts? +
In Massachusetts, federal income tax, Social Security (6.2%), Medicare (1.45%) and Massachusetts state income tax (Flat 5% (9% over $1,083,150)) plus Paid Family and Medical Leave (PFML) 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 Massachusetts have a state income tax? +
Yes. Massachusetts has a progressive state income tax (Flat 5% (9% over $1,083,150)), charged on top of federal income tax.
Is this Massachusetts paycheck calculator accurate? +
It gives a close estimate using 2025 federal and Massachusetts 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.