Massachusetts Paycheck Calculator
In Massachusetts for 2026, a $75,000 salary takes home about $57,818 per year after federal income tax and FICA (Social Security and Medicare), and Massachusetts state income tax and MA paid family leave contributions.
Massachusetts take-home pay calculator
Take-home now: $2,223.75 per 2 weeks
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 $2,680 in Massachusetts income tax (roughly 4.5% 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. Massachusetts lets you deduct the Social Security and Medicare tax you paid, up to $2,000 a year, and that IS included in the figures above. Anyone earning about $26,150 or more pays more than $2,000 in Social Security and Medicare tax, so for most people the deduction is the full $2,000 and saves $100 a year in Massachusetts tax. One catch for married couples filing jointly: the $2,000 is per person and cannot be shared, so if your spouse also works they get their own deduction on top. This calculator only knows about one salary, so it only counts one. 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) | ≈$76,610 |
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% | $57,818 |
| New Hampshire | no state income tax | $61,593 |
| Connecticut | seven brackets, 2%–6.99% | $57,743 |
| 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, Maryland 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 2026-08-02