Take-home pay on a $30,000 salary in Massachusetts
A $30,000 salary in Massachusetts leaves $24,967 a year after federal income tax, Social Security, Medicare, Massachusetts income tax and Massachusetts PFML — $2,081 a month, or $960.27 in a two-week paycheck. That is a single filer taking the standard deduction, with every figure below computed from the published tax tables rather than estimated.
Where every dollar of $30,000 goes
Modelled as a single filer on 2026 rules taking the standard deduction, with no 401(k), no health premiums and no dependents. Social Security is the heaviest line here at $1,860, and Massachusetts PFML the lightest at $138.
| Line | Per year | Per month | Per 2 weeks | % of gross |
|---|---|---|---|---|
| Gross salary | $30,000 | $2,500 | $1,153.85 | 100.0% |
| Federal income tax | −$1,420 | −$118 | −$54.62 | 4.7% |
| Social Security (6.2%) | −$1,860 | −$155 | −$71.54 | 6.2% |
| Medicare (1.45%) | −$435 | −$36 | −$16.73 | 1.5% |
| Massachusetts income tax | −$1,180 | −$98 | −$45.38 | 3.9% |
| Massachusetts PFML | −$138 | −$12 | −$5.31 | 0.5% |
| Total withheld | −$5,033 | −$419 | −$193.58 | 16.8% |
| Take-home pay | $24,967 | $2,081 | $960.27 | 83.2% |
The federal income tax on $30,000, bracket by bracket
The federal bill is built in slices, never as one rate on the lot. First $16,100 comes off as the standard deduction, 53.7% of $30,000 — a big enough share that much of this salary is untaxed before the brackets start. The remaining $13,900 is then spread over two bands, with 12% touching only the final slice.
| Federal band | Rate | Income taxed here | Tax from this band |
|---|---|---|---|
| $0 – $12,400 | 10% | $12,400 | $1,240 |
| $12,400 – $50,400 | 12% | $1,500 | $180 |
| Total | $13,900 | $1,420 |
Federal tax on $30,000 totals $1,420, which is 4.7% of gross pay even though the top band reached is 12%. The gap between those two numbers is the whole point of a graduated system.
The Massachusetts income tax on $30,000, bracket by bracket
Massachusetts runs a separate ladder and subtracts a separate and much smaller amount before it starts: $4,400 of standard deduction plus $2,000 for the FICA already withheld from this salary, $6,400 in all, against the federal $16,100. That leaves $23,600 of Massachusetts taxable income, $9,700 more than the federal figure. $30,000 works through one of Massachusetts's bands, topping out at 5%.
| Massachusetts band | Rate | Income taxed here | Tax from this band |
|---|---|---|---|
| $0 – $1,107,750 | 5% | $23,600 | $1,180 |
| Total | $23,600 | $1,180 |
Massachusetts income tax on $30,000 totals $1,180, 3.9% of gross pay, against a top band rate of 5%. Massachusetts PFML is charged separately, on the full salary and not on taxable income, so it is not in this table.
What applies to you at $30,000, and what does not
Which of Massachusetts's bands $30,000 tops out in
Massachusetts taxes a single filer through two bands. $30,000 reaches the first of them, so the top slice of your Massachusetts taxable income ($23,600 after the $4,400 Massachusetts takes off first and the $2,000 it allows for the FICA already withheld from this salary) is charged at 5%. The next band up begins $1,084,150 further on, so a raise of roughly that size is where your Massachusetts rate next moves. The band $30,000 tops out in runs $1,107,750 from edge to edge, so it governs a long stretch of income. A raise has to be substantial before any of it is charged at a higher Massachusetts rate.
This is the first band Massachusetts publishes and $30,000 does not leave it, so every dollar of Massachusetts taxable income here is charged at the one rate — there is nothing below it to be charged at less. The next edge is $1,084,150 of taxable income further on, which no rung of this ladder reaches.
Maxing a 401(k) is not realistic at $30,000
The 2026 elective deferral limit is $24,500, which is 81.7% of a $30,000 salary. Nobody at this income is hitting it, and the advice to "max out your 401(k)" is written for a salary several rungs up this ladder. What is worth knowing is the rate: every dollar you do defer comes off at 12% federally plus 5% in Massachusetts, so even a small contribution is bought at a real discount.
Where Massachusetts ranks on $30,000
Run the same $30,000 through all fifty states and the District of Columbia and Massachusetts comes 48 from the top on take-home pay — four from the bottom — keeping $24,967. The jurisdictions immediately above it at this salary are Connecticut and Alabama; immediately below are Illinois and Kansas. North Dakota tops the table at $26,285, $1,318 more than Massachusetts on identical gross pay, and Oregon is last at $24,024. That ranking is specific to $30,000: flat-rate and graduated states change places as income rises, so Massachusetts's neighbours on this table are different at other salaries.
$30,000 against Massachusetts's wage floor
The minimum wage in Massachusetts is $15.00 an hour, which is $31,200 a year at forty hours a week. $30,000 is BELOW that: a full-time year at the Massachusetts minimum pays $1,200 more than this rung. Run the floor through the same engine and it keeps $25,866 of that $31,200 — 17.1% withheld — against 16.8% at $30,000. Both salaries sit low enough that the standard deduction is doing most of the work, which is why the two withholding shares are so close together despite the $1,200 between the salaries.
Massachusetts minimum wage is $15.00/hour, unchanged since January 1, 2023, with no scheduled increase for 2026.
What Massachusetts withholds on $30,000 besides income tax
Separately from income tax, Massachusetts withholds one employee-funded premium from this paycheck.
- Massachusetts PFML at 0.46% costs $138.00 a year, $5.31 a paycheck. It is charged on only the first $184,500 of wages, which $30,000 does not reach, so the whole salary carries it.
That takes $138.00 a year out of $30,000, 0.5% of gross pay. It is withheld after tax, so unlike a 401(k) contribution it reduces nothing else, and it appears in no bracket table anywhere.
What Massachusetts does with the Social Security and Medicare taken from $30,000
On top of its standard deduction, Massachusetts subtracts the Social Security and Medicare you paid from the income it taxes, up to $2,000 for one taxpayer. $30,000 pays $2,295 of employee-side FICA, comfortably over that ceiling, so the deduction is the full $2,000 and does not grow with a raise. It is worth $100 at the 5% rate this salary is charged. It is already inside the $1,180 of Massachusetts income tax on this page. The cap is per taxpayer and cannot be pooled, so a two-earner couple has two of them; this page models one earner.
What the top of your federal bill is actually taxed at
At $30,000 your next dollar falls in the second band up, a stretch of $38,000 — 3.1 times the run of the band below it. A raise here is about as cheap as a raise gets: the extra income is treated exactly like the income underneath it, all the way to the edge. You have $36,500 of taxable income left inside it, which is about $36,500 more salary before the next band starts taking a larger share of the extra.
$30,000 is the bottom of this ladder
Nothing below this level is modelled here. Going up to $40,000 would add $7,489 a year, $624 a month, out of $10,000 of extra gross — 74.9% of the raise survives withholding, the highest keep rate anywhere on this page, because the bands down here are the cheapest ones.
The childcare credit rate that $30,000 buys you
Qualifying childcare costs earn a credit worth a percentage of the spend, on expenses of up to $3,000 for a single dependent and $6,000 where there are two or more. Which percentage you get depends on what you earn. At $30,000 it is 43.0%: you are on the first slide, where the rate drops a point for every $2,000 of income above $15,000. It levels off at 35.0% once income reaches $45,000, so a raise from here costs you a little of this credit on the way. It is a nonrefundable credit and none of the figures above include it: they model a filer with no dependents.
The same $30,000 on the other filing statuses
Your filing status moves the standard deduction and stretches every federal band, and on $30,000 that is worth having: filing jointly on this same salary leaves $1,640 more in the year than filing single, and head of household $955 more. FICA and Massachusetts PFML are identical in all three — they take no notice of who you are married to.
| Filing status | Federal tax | MA income tax | Take-home a year | Share withheld |
|---|---|---|---|---|
| Single / Married filing separately | $1,420 | $1,180 | $24,967 | 16.8% |
| Married filing jointly | $0 | $960 | $26,607 | 11.3% |
| Head of household | $585 | $1,060 | $25,922 | 13.6% |
How this figure was computed
Every number above is computed at build time by the same engine that runs the Massachusetts paycheck calculator, from this repository's 2026 tax data file. Nothing is hand-typed and nothing is copied from another site.
- Gross
- $30,000 a year, spread evenly: $14.42 an hour, $1,153.85 a fortnight.
- Federal
- 2026 brackets on $13,900 taxable (gross less the $16,100 standard deduction), Rev. Proc. 2025-32 → $1,420.
- FICA
- Social Security $1,860 on all of $30,000, under the $184,500 base. Medicare $435.
- Massachusetts
- Its own schedule on $23,600 after the $4,400 Massachusetts subtracts first and the $2,000 it allows for FICA already withheld, through one band → $1,180. Plus Massachusetts PFML at 0.46% → $138.00.
What this does not include
- Left out of the sums. Anything taken pre-tax (401(k), HSA, FSA, insurance premiums), any dependants or credits, itemised deductions, income that is not wages, and the half of FICA your employer pays. There is no local wage income tax in Massachusetts, so that line is not missing anything.
- What is specifically live at $30,000. None of the following is in the take-home figure above, and all of it is real at this income: the Child and Dependent Care Credit, whose rate at this income is set by the §21 schedule described above.
A computed estimate, not tax advice. Your own W-4, benefits and credits move the number.
Frequently asked questions
What is the take-home pay on a $30,000 salary in Massachusetts?
About $24,967 a year for a single filer taking the standard deduction, after federal income tax of $1,420, Social Security of $1,860, Medicare of $435, Massachusetts income tax of $1,180 and Massachusetts PFML of $138. In total 16.8% of gross pay is withheld.
$30,000 a year is how much a month, after tax, in Massachusetts?
$2,081 a month, $960.27 on a fortnightly cycle and $1,040.29 paid twice a month. Federally you are in the 12% bracket and in Massachusetts the 5% band, though neither rate applies to the whole salary.
What else does Massachusetts withhold from $30,000 besides income tax?
Massachusetts PFML at 0.46%, $138.00 a year. That is 0.5% of gross pay, withheld after tax, so it does not reduce your federal or state taxable income.
What does going from $30,000 to $40,000 actually add?
$7,489 more a year, $624 a month. That is 74.9% of the $10,000 raise; the rest goes to federal tax, FICA and Massachusetts withholding.
Is $30,000 a good salary in Massachusetts?
Context, not advice: it is below Massachusetts's median HOUSEHOLD income of $103,960, a figure that often covers two earners, so a single earner on $30,000 is not as far off the middle as that comparison suggests. Housing cost is not modelled anywhere here.
Will this match my actual paycheck?
Not exactly. It models a single filer on the standard deduction with no 401(k), no premiums and no dependents; your W-4 and benefits move it. Use the Massachusetts paycheck calculator for your own.
Sources
- Massachusetts: source for the state figures on this page
- Massachusetts PFML: rate and withholding
- IRS: 2026 inflation-adjusted tax brackets
- IRS: Rev. Proc. 2025-32 (2026 brackets, all statuses)
- Social Security Administration: Contribution and Benefit Base
- IRS: Topic no. 751, Additional Medicare Tax
Federal figures were last verified 2026-08-02.
Found an error? See our corrections log or contact us.