Maryland Paycheck Calculator

Enter your salary to estimate your Maryland take-home pay after federal income tax, Maryland state income tax, and FICA, broken down per paycheck for any pay schedule.

Take-home per paycheck

—

Gross annual pay—

Federal income tax—

Maryland state income tax—

FICA (Social Security + Medicare)—

Net annual take-home—

Where your Maryland paycheck goes

Annual take-home versus federal, state, and FICA taxes.

Same salary, different states

Estimated net take-home on an $80,000 single salary. Maryland is highlighted.

Maryland paycheck, explained

A Maryland paycheck calculator shows what you actually keep from your salary after every mandatory withholding. Maryland taxes income progressively from 2% to 6.5% across 10 brackets, so the exact bite depends on income, filing status, and pre-tax deductions. This tool estimates federal income tax, Maryland state income tax, and FICA payroll tax, then divides your net pay across your chosen pay schedule.

Because the brackets are progressive, only the portion of your income inside each band is taxed at that band’s rate, so your marginal rate is higher than your effective rate. Enter your gross salary above to see your Maryland take-home pay per paycheck.

Maryland income tax

Maryland uses a 10-bracket progressive income tax ranging from 2% to 6.5%. The state standard deduction is $3,350 for single filers and $6,700 for joint filers, which reduces the income subject to state tax.

Every Maryland county plus Baltimore City adds a local 'piggyback' income tax of about 2.25% to 3.2% on top of the state rate, not included here. Maryland does not tax Social Security retirement benefits.

The paycheck formula

A paycheck calculator works backward from your gross salary, removing every mandatory withholding to reveal your true take-home pay:

taxable income = gross salary − pre-tax deductions − standard deduction
federal tax = progressive federal brackets
Maryland tax = progressive MD brackets from 2% to 6.5% on taxable income
FICA = 6.2% Social Security (to cap) + 1.45% Medicare
net pay = gross − federal − state − FICA − pre-tax deductions
per paycheck = net pay ÷ number of pay periods

Worked example

Federal income tax is roughly $8,770, FICA is $6,120, and Maryland state income tax is about $3,588 after the standard deduction. Net take-home is around $61,522 a year, close to $2,366 every two weeks on a bi-weekly schedule. Contributing to a 401(k) or HSA would lower both federal and state tax and raise the after-tax value of saving.

How Maryland compares

On the same $80,000 single salary, Maryland take-home is about $61,522 — $3,588 less than Texas's $65,110 (Texas has no state income tax), about the same as California's $61,516, and $207 more than New York's $61,315. The chart above shows how Maryland stacks up against those three benchmark states on identical pay.

Frequently asked questions

How much is taken out of a paycheck in Maryland?

On an $80,000 single salary, roughly $18,478 a year goes to federal income tax, Maryland state income tax, and FICA combined, leaving about $61,522 in take-home.

What is the Maryland state income tax rate?

Maryland has a progressive income tax with 10 brackets ranging from 2% to 6.5%. Middle earners pay an effective rate well below the top marginal rate after the standard deduction.

Does Maryland tax Social Security benefits?

Maryland does not tax Social Security retirement benefits.

Are there local taxes on top of Maryland state tax?

Every Maryland county plus Baltimore City adds a local 'piggyback' income tax of about 2.25% to 3.2% on top of the state rate, not included here.

How can I increase my Maryland take-home pay?

Contributing to pre-tax accounts like a 401(k), HSA, or FSA lowers your federal and Maryland taxable income, reducing withholding and raising the value of each dollar you save.

Is Maryland take-home pay higher or lower than Texas?

Lower. Texas has no state income tax, so on the same $80,000 salary a Texas resident keeps about $3,588 more than a Maryland resident.