Calculate Your Take-Home Pay in Maryland
Estimate your net paycheck after Maryland state taxes, federal taxes, and deductions. Our calculator accounts for MD state income tax rates, local county taxes, FICA, and withholdings to show your actual take-home pay.
Enter your gross pay and select your pay period to calculate your estimated net paycheck after federal and Maryland state taxes, Social Security, and Medicare deductions.
Knowing how your gross pay is distributed can help you make informed financial decisions. Here's a breakdown of common deductions:
The federal income tax is deducted based on your earnings and filing status. The rate used here is an example and may vary according to IRS tax brackets.
Maryland state tax is applied to your income at a rate of 4.75%. This rate is subject to change, so always refer to the latest state tax guidelines.
Social Security tax is deducted at a rate of 6.2% of your gross pay. This deduction funds retirement, disability, and survivors' benefits.
Medicare tax is deducted at a rate of 1.45% of your gross pay. This deduction funds health insurance for individuals aged 65 and older.
Maryland has progressive state income tax: 2% (under $1,000), 3% ($1,000-$2,000), 4% ($2,000-$3,000), 4.75% ($3,000-$100,000), 5% ($100,000-$125,000), 5.25% ($125,000-$150,000), 5.50% ($150,000-$250,000), 5.75% (over $250,000). Plus local county tax: 2.25-3.20% depending on county.
Federal taxes withheld: income tax (10-37% brackets), Social Security (6.2% up to wage base), Medicare (1.45% all income, plus 0.9% additional Medicare tax on high earners). Total FICA: 7.65% for most employees. These are in addition to Maryland state taxes.
Increase net pay by: adjusting W-4 withholding allowances, contributing to pre-tax retirement (401k, 403b), using FSA/HSA accounts, claiming eligible tax credits, verifying correct filing status, and reviewing paycheck accuracy. Consult tax professionals for personalized optimization strategies.
