Free tool

Maryland Paycheck Calculator

See your real take-home pay in Maryland after federal tax, MD state tax, FICA, 401(k), and health insurance.

Maryland uses a progressive income tax, with marginal rates running from 2% on the first dollars of taxable income up to 5.75% at the top. Where your salary lands in those brackets — after the state's deduction and any pre-tax contributions — decides how much comes out of each check on top of federal tax and FICA. Run your numbers below to see the full federal-plus-Maryland breakdown per paycheck and per year.

Your pay

Filing status

Progressive state income tax: 2%–5.75%, after a $2,700 state deduction (single). Married brackets are approximated as doubled single-filer thresholds. Uses the latest available state rates where 2026 figures aren't final.

Take-home / paycheck
$2,280
Effective tax rate
22.1%
Annual take-home
$59,273

Where your gross salary goes

Take-home payFederal income taxFICA (SS + Medicare)MD state income tax401(k) contributionHealth insurance
ItemAnnualPer paycheck
Take-home pay$59,273$2,280
Federal income tax$8,796$338
FICA (SS + Medicare)$6,503$250
MD state income tax$3,529$136
401(k) contribution$5,100$196
Health insurance$1,800$69
Gross salary$85,000$3,269

Your 401(k) isn't lost money — it's still yours, just invested pre-tax. Counting it, you keep 75.7% of your gross.

Maryland tax notes

  • Every Maryland county (and Baltimore City) adds a local income tax of roughly 2.25%–3.3% on top of the state rate — not modeled here, but it materially raises the real bill.

Estimates only — state and local taxes vary; excludes local/city taxes and credits.

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