Massachusetts Paycheck Calculator
In Massachusetts for 2026, a $75,000 salary takes home about $57,718 per year after federal income tax and FICA (Social Security and Medicare), and Massachusetts state income tax and MA paid family leave contributions.
Based on a $75,000 salary in Massachusetts, single filer, paid every 2 weeks
$2,219.90
take-home per 2 weeks · $57,718/yr
How your federal tax is calculated on a paycheck in Massachusetts, bracket by bracket
| Bracket | Income taxed here | Tax |
|---|---|---|
| 10% ($0 – $12,400) | $12,400 | $1,240 |
| 12% ($12,400 – $50,400) | $38,000 | $4,560 |
| 22% ($50,400 – $105,700) | $8,500 | $1,870 |
Taxable income $58,900 after the $16,100 standard deduction. Your federal marginal rate is 22%, the federal tax on your next dollar earned.
Compare your take-home pay with New Hampshire, Connecticut or Rhode Island
Your pay in Massachusetts: which 2026 breaks are yours to claim?
Tick what is true for you and these Massachusetts notes narrow to your situation.
Tips: federally deductible, but Massachusetts still taxes tips in full. Work out the tip deduction
Overtime: federally deductible, but Massachusetts still taxes overtime premium pay in full. Work out the overtime deduction
Bonuses: Massachusetts sets no supplemental rate of its own, so a bonus goes through the normal Massachusetts withholding tables. Estimate the tax on a bonus in Massachusetts
Turning 65: the $6,000 federal senior deduction comes off your federal return; Massachusetts's two brackets still apply to the same wages. Check the senior deduction
See every 2026 rule that matches your answers in Massachusetts
Free Massachusetts salary-after-taxes and income tax calculator — a no-signup, in-browser alternative to paid tools like SmartAsset and ADP. Estimate your 2026 take-home pay for any salary, hourly rate, or pay frequency.
Use this free Massachusetts (MA) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and Massachusetts's graduated state income tax (two brackets, 5% to 9%).
Enter your own pay in the calculator to estimate your Massachusetts take-home pay for any salary or hourly wage.
Massachusetts income tax rate 2026
Massachusetts's 2026 state income tax is graduated, ranging from 5% to 9%.
Massachusetts's two-bracket ladder (5%–9%): what comes out of each 2026 check
Massachusetts uses graduated 2026 state income-tax brackets, so higher pay is taxed at higher marginal rates after the state deduction. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your Massachusetts take-home pay.
Massachusetts uses a graduated income tax with 2 brackets for 2026, with marginal rates ranging from 5% to a top rate of 9% (which applies to single-filer taxable income above $1,107,750). For 2026, Massachusetts's state standard deduction is $4,400 for single filers and $8,800 for married couples filing jointly. As a worked example, a single filer earning $60,000 pays about $2,780 in Massachusetts income tax (roughly 4.6% of gross) before federal tax and FICA.
What this estimate doesn't include: Massachusetts' $1,000-per-dependent exemption is not modeled. The 4% surtax applies only to taxable income above $1,107,750. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.
Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.
Massachusetts's two 2026 brackets, from 5% to 9% (single filers)
Massachusetts's graduated single-filer schedule for 2026, applied after the state deduction:
| Taxable income | Marginal rate |
|---|---|
| $0 – $1,107,750 | 5% |
| $1,107,750 and above | 9% |
Paid Family and Medical Leave: what else Massachusetts takes from your check
On a Massachusetts paycheck, these state programs are deducted in addition to income tax and Social Security / Medicare:
| Program | Employee rate (2026) | Wage base / cap |
|---|---|---|
| Paid Family and Medical Leave (PFML) - employee share | Up to 0.46% of eligible wages (0.28% medical leave + 0.18% family leave) | Social Security wage base of $184,500 for 2026 (max employee contribution ~$848.70/year) |
Included in your take-home: the MA PFML contribution is subtracted from the take-home estimate at the top of this page. These are withheld after tax and do not lower your taxable income.
Massachusetts's own $15.00 minimum wage — above the federal floor (2026)
$15.00/hour (≈$31,200/year full-time). Massachusetts minimum wage is $15.00/hour, unchanged since January 1, 2023, with no scheduled increase for 2026.
No city or county income tax anywhere in Massachusetts
Massachusetts has no local or municipal income tax; only the state 5% flat tax (plus the 4% surtax on income over the inflation-adjusted threshold) applies.
Your paycheck vs the $103,960 Massachusetts median
| Median household income (2024 (ACS 1-Year)) | $103,960 |
| Take-home (single filer) | ≈$76,510 |
Is overtime and tips tax-free in Massachusetts? Federally yes, but Massachusetts still taxes both
Qualified overtime premium pay and tips are federally deductible for 2025–2028 (OBBBA caps & rules); FICA still applies.
Massachusetts state income tax: Massachusetts has not adopted the federal tips/overtime deductions for state income tax as of mid-2026, so they reduce your federal tax only. (source: arbcpa.com)
- Overtime: 2025 — not deductible on your Massachusetts return (still state-taxed); 2026–2028 — not deductible on your Massachusetts return (still state-taxed).
- Tips: 2025 — not deductible on your Massachusetts return (still state-taxed); 2026–2028 — not deductible on your Massachusetts return (still state-taxed).
Related: tips calculator · overtime calculator · overtime by state · tips by state.
Two Massachusetts payroll quirks worth knowing
- A 4% 'millionaire' surtax applies on top of the 5% flat rate to all income above $1,107,750 for tax year 2026 (threshold indexed annually for inflation), making the top marginal rate 9% on income over that level.
- Employers with fewer than 25 covered workers owe no employer PFML share but may still withhold up to the full employee portion (0.46%) from paychecks; the employee share of the medical-leave portion can be up to 100% (0.28%).
Beyond the paycheck: Massachusetts's 6.25% sales tax and property tax
| Sales tax | 6.25% (≈6.25% with local) |
| Property tax | ≈1% — Roughly mid-pack nationally; near or slightly above the U.S. average effective rate. |
Massachusetts paycheck FAQ
Besides income tax, what does Massachusetts deduct from paychecks?
On top of federal tax and FICA, Massachusetts withholds Paid Family and Medical Leave (PFML) - employee share at Up to 0.46% of eligible wages (0.28% medical leave + 0.18% family leave). The full rates and wage caps are in the payroll-deductions table on this page.
Does Massachusetts have a state income tax in 2026?
Yes — two graduated brackets from 5% to 9% in 2026, on top of federal tax and FICA.
Compare a paycheck next door: New Hampshire, Connecticut & Rhode Island
| State | State income tax (2026) | Take-home on $75,000 (single) |
|---|---|---|
| Massachusetts | two brackets, 5%–9% | $57,718 |
| New Hampshire | no state income tax | $61,593 |
| Connecticut | seven brackets, 2%–6.99% | $57,843 |
| Rhode Island | three brackets, 3.75%–5.99% | $58,375 |
| New York | nine brackets, 3.9%–10.9% | $57,784 |
Those are the states next door. To see where Massachusetts lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.
All state paycheck calculators →
Data compiled and maintained by Edmond Daher · Updated 2026-06-16