Massachusetts paycheck calculator 2026
Estimate your take-home pay in Massachusetts after federal income tax, Social Security, Medicare, Massachusetts income tax. Hourly or salary.
What comes out of your paycheck in MassachusettsHourly take-home pay in Massachusetts
Full time (40 hours a week), biweekly paycheck, single filer with one job and no deductions.
| You earn | Gross per paycheck | Federal | Social Security & Medicare | State and local | Take-home | You keep | Per year |
|---|---|---|---|---|---|---|---|
| $15/h | $1,200.00 | −$60.15 | −$91.80 | −$52.48 | $995.57 | 83.0% | $25,885 |
| $20/h | $1,600.00 | −$108.15 | −$122.40 | −$72.79 | $1,296.66 | 81.0% | $33,713 |
| $25/h | $2,000.00 | −$156.15 | −$153.00 | −$93.10 | $1,597.75 | 79.9% | $41,542 |
| $30/h | $2,400.00 | −$204.15 | −$183.60 | −$113.41 | $1,898.84 | 79.1% | $49,370 |
| $40/h | $3,200.00 | −$364.38 | −$244.80 | −$154.03 | $2,436.79 | 76.1% | $63,357 |
Salary after taxes in Massachusetts
Annual salary split into 26 paychecks.
| You earn | Gross per paycheck | Federal | Social Security & Medicare | State and local | Take-home | You keep | Per year |
|---|---|---|---|---|---|---|---|
| $50,000 | $1,923.08 | −$146.92 | −$147.11 | −$89.20 | $1,539.85 | 80.1% | $40,036 |
| $75,000 | $2,884.62 | −$295.00 | −$220.68 | −$138.02 | $2,230.92 | 77.3% | $58,004 |
| $100,000 | $3,846.15 | −$506.54 | −$294.23 | −$186.84 | $2,858.54 | 74.3% | $74,322 |
Massachusetts deductions, line by line
Example at $22 an hour, 80 hours, biweekly paycheck.
Massachusetts · −$72.82
This is Massachusetts state income tax: 5% of your pay after subtracting what you pay for Social Security and Medicare (up to $2,000 a year). Here we assume your M-4 form claims your personal exemption (and your spouse's if married), with no dependents.
Source: MA DOR, Circular M (2026), percentage methodMA PFML (0.46%) · −$8.10
This is your contribution to Massachusetts Paid Family and Medical Leave: up to 0.46% of your wages (0.18% family and 0.28% medical), with the same annual wage limit as Social Security. Your employer may cover part or all of it; here we assume the maximum is deducted.
Source: MA DFML, PFML contribution rates (2026)If your situation has more to it
The assumptions behind the estimate
Assumes you filed Form M-4 matching your federal W-4 and no dependents: single, 1 personal exemption; head of household, 1 exemption plus the head of household box; married filing jointly, 5 exemptions (1 personal plus the "4" the M-4 gives for a spouse who is not claiming it at their own job). No additional withholding. Assumes your employer deducts the maximum allowed employee share of PFML.
What is not included
Massachusetts has no local wage taxes.
Frequently asked questions
How much tax is taken out of a paycheck in Massachusetts?
At $20 an hour and 40 hours a week, a biweekly paycheck of $1,600.00 has $108.15 of federal income tax, $122.40 of Social Security and Medicare and $72.79 of state taxes withheld. You take home $1,296.66, or 81.0%. This is an estimate for a single filer with one job and no deductions.
Does Massachusetts have a state income tax on wages?
Yes. This is Massachusetts state income tax: 5% of your pay after subtracting what you pay for Social Security and Medicare (up to $2,000 a year).
Are there city or county taxes in Massachusetts?
We found no local taxes withheld from employee paychecks in Massachusetts.
Is overtime taxed more?
There is no special rate for overtime: it is added to your pay for the period and withholding is figured on the total, which is why the check grows less than you expect. From 2025 through 2028 you can deduct from federal income tax the extra half of your overtime (up to $12,500; $25,000 if married) if your income is under $150,000; it only lowers each paycheck's withholding if you entered it on your W-4.
How accurate is this paycheck calculator?
It uses the official 2026 withholding rules from the IRS and Massachusetts. It is still an estimate: your employer knows your W-4, your deductions and your year-to-date earnings. It is not tax or legal advice.
Official sources
- IRS, Publication 15-T (2026), Federal Income Tax Withholding Methods
- IRS, Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare
- MA DOR, Circular M — Income Tax Withholding Tables at 5.0% Effective January 1, 2026 (Rev. 12/25), Percentage Methods
- MA DOR, Form M-4, Massachusetts Employee's Withholding Exemption Certificate
- MA DFML, Paid Family and Medical Leave employer contribution rates and calculator (2026)
- MA DOR, PFML Registration, Contributions, and Payments (tope igual al del Seguro Social)