Estimate your Maryland take-home pay per paycheck. Enter salary or hourly pay, filing status and your county to see federal tax, FICA, Maryland's bracket tax and the county local income tax, step by step.
Last updated:
Gross pay
How are you paid?
$
$
h
h
Paid at 1.5× your rate
Married filing separately: choose Single
Federal (2026 Form W-4)
$
$2,200 per child under 17, $500 per other dependent
$
Maryland (MW507) & county
2025 local rates from the Comptroller of Maryland; choose Custom if your rate changed
%
You, spouse and dependents; $3,200 each, reduced at higher incomes
$1,000 each
$
$3,350 for 2025, inflation-indexed after; doubled for joint / head of household
Deductions
% of gross
Capped at the 2026 limit of $24,500
$
Section 125 deductions
$
Roth 401(k), union dues, garnishments
Enter your values to see the result.
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How to use the Maryland Paycheck Calculator
Enter your pay: annual salary, or hourly rate and weekly hours.
Pick pay frequency and filing status; joint and head of household filers get the larger Maryland standard deduction.
Choose your county of residence (or Custom to type a rate).
Enter MW507 exemptions and any 401(k) % and health premiums per check.
Press Calculate take-home pay to see state and county tax bracket by bracket.
Maryland paycheck formula
Maryland taxable income = wages − 401(k) − section 125 deductions − standard deduction − exemptions
Maryland state tax = tax from the brackets below on Maryland taxable income
County tax = Maryland taxable income × your county rate (tiered in Anne Arundel and Frederick)
Example: a single filer in Montgomery County earning $70,000 with one exemption and no pre-tax deductions has Maryland taxable income of $70,000 − $3,350 − $3,200 = $63,450. State tax = $90 on the first $3,000 + 4.75% × $60,450 = $2,961.38, and county tax = 3.20% × $63,450 = $2,030.40. Together that is $4,991.78 a year, about $191.99 per biweekly check, or 7.13% of gross.
Maryland income tax brackets (2025 and later)
Rate
Single / married filing separately
Joint / head of household
2%
$0 – $1,000
$0 – $1,000
3%
$1,001 – $2,000
$1,001 – $2,000
4%
$2,001 – $3,000
$2,001 – $3,000
4.75%
$3,001 – $100,000
$3,001 – $150,000
5%
$100,001 – $125,000
$150,001 – $175,000
5.25%
$125,001 – $150,000
$175,001 – $225,000
5.5%
$150,001 – $250,000
$225,001 – $300,000
5.75%
$250,001 – $500,000
$300,001 – $600,000
6.25%
$500,001 – $1,000,000
$600,001 – $1,200,000
6.5%
Over $1,000,000
Over $1,200,000
County local income tax rates (2025)
County
Rate
County
Rate
Allegany
3.03%
Harford
3.06%
Anne Arundel
2.70% / 2.94% / 3.20%*
Howard
3.20%
Baltimore City
3.20%
Kent
3.20%
Baltimore County
3.20%
Montgomery
3.20%
Calvert
3.00%
Prince George's
3.20%
Caroline
3.20%
Queen Anne's
3.20%
Carroll
3.03%
St. Mary's
3.00%
Cecil
2.74%
Somerset
3.20%
Charles
3.03%
Talbot
2.40%
Dorchester
3.30%
Washington
2.95%
Frederick
2.25% – 3.20%*
Wicomico
3.20%
Garrett
2.65%
Worcester
2.25%
*Tiered by Maryland taxable income. Anne Arundel: 2.70% up to $50,000 ($75,000 joint), 2.94% up to $400,000 ($480,000 joint), 3.20% above. Frederick: 2.25% up to $25,000, 2.75% up to $50,000 ($100,000 joint), 2.96% up to $150,000 ($250,000 joint), 3.20% above. Counties can change rates each year; check the Comptroller of Maryland's current table and use the Custom option if yours differs.
Frequently asked questions
What are the Maryland income tax brackets?
From tax year 2025, single filers pay 2% on the first $1,000, 3% on the next $1,000, 4% on the next $1,000, 4.75% up to $100,000, 5% up to $125,000, 5.25% up to $150,000, 5.5% up to $250,000, 5.75% up to $500,000, 6.25% up to $1 million and 6.5% above. Joint and head of household filers have higher thresholds from the 4.75% bracket up ($150,000, $175,000, $225,000, $300,000, $600,000 and $1.2 million).
Do Maryland counties have an income tax?
Yes. Every Maryland county and Baltimore City levies a local income tax on residents, calculated on the same Maryland taxable income as the state tax. For 2025 rates range from 2.25% in Worcester County to 3.30% in Dorchester County, and Anne Arundel and Frederick use tiered rates.
What is the Maryland standard deduction?
Starting with tax year 2025, Maryland replaced its percentage-based standard deduction with a flat $3,350 for single and married-filing-separately filers and $6,700 for joint, head of household and surviving spouse filers, adjusted for inflation in later years. The field is editable so you can enter a newer amount.
How do Maryland personal exemptions work?
Each exemption is $3,200 for you, your spouse and each dependent, but it shrinks as income rises: single filers get $1,600 above $100,000 of federal AGI, $800 above $125,000 and nothing above $150,000. For joint filers the thresholds are $150,000, $175,000 and $200,000. People 65+ or blind get an extra $1,000 each.
Does Maryland tax 401(k) contributions?
No. Maryland starts from federal adjusted gross income, so traditional 401(k), 403(b) and TSP contributions reduce both state and county taxable income. Roth contributions do not.
I live in Maryland but work in another state. What happens?
Maryland has reciprocal agreements with Virginia, Pennsylvania, West Virginia and Washington, DC, so residents working there usually have only Maryland and county tax withheld. If you work in Delaware or another state, you may pay that state's tax and claim a credit on your Maryland return. People who work in Maryland but live in a non-reciprocal state pay a special 2.25% nonresident tax instead of county tax.
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