This free Maryland paycheck calculator estimates your 2026 take-home pay after federal income tax, Maryland state income tax, county tax, Social Security, and Medicare.

Maryland Paycheck Calculator 2026

Maryland uses a progressive state income tax system, and county income taxes can also apply depending on where you live. Some local rates are as high as 3.30% in 2026.

Enter your salary or hourly rate, select your pay frequency and filing status, add any pre-tax deductions, and instantly see your estimated net paycheck — broken down line by line.

How Maryland Paychecks Work

Maryland applies a progressive state income tax structure rather than a flat rate. For 2026, the top individual state rate is 5.75%, and counties may also add a local income tax on top of that.

Maryland county tax rates vary by residence, and the maximum county/local rate is 3.30% for tax years beginning after December 31, 2024. Because local tax depends on where you live, this calculator includes an optional local tax field so the estimate can match your county more closely.

Pre-tax deductions such as a 401(k), health insurance, HSA, or FSA can reduce taxable wages for federal calculations and may also affect your Maryland paycheck estimate.

Maryland Paycheck Breakdown

Every Maryland worker pays federal payroll taxes on wages. Social Security is withheld at 6.2% up to the annual wage base, and Medicare is withheld at 1.45%. Higher earners may also owe additional Medicare tax under federal rules.

The calculator converts annual or hourly income into the selected pay frequency before applying taxes and deductions. That makes it useful for salary workers, hourly workers, and anyone comparing weekly, biweekly, semimonthly, or monthly paychecks.

Because county rates vary across Maryland, the optional local tax field helps the calculator reflect your local withholding more accurately.

Why Use This Maryland Paycheck Calculator

This page is built for users searching for Maryland paycheck estimates, Maryland tax withholding, and Maryland take-home pay. It is also useful when comparing gross pay versus net pay before accepting a job offer, changing pay frequency, or adjusting pre-tax deductions.

The calculator combines federal withholding, FICA, Maryland state tax, and optional county tax into one simple tool. That makes it easier to understand what portion of your paycheck you actually keep after taxes.

Frequently Asked Questions

What is the Maryland state income tax rate for 2026?

Maryland uses a progressive state income tax system, and the top individual rate is 5.75% for 2026.

Does Maryland have county income taxes?

Yes. Maryland counties and Baltimore City can impose local income taxes, and rates vary by location.

Do pre-tax deductions reduce Maryland taxable income?

Yes. Common pre-tax deductions like retirement contributions and certain benefit plans can reduce taxable wages for both federal and Maryland tax purposes, depending on the deduction type.

Does this Maryland Paycheck Calculator include federal taxes?

Yes. It estimates federal income tax, Social Security, and Medicare along with Maryland state income tax and optional local tax.

Can I use this for hourly wages?

Yes. You can enter an hourly rate and pay frequency to estimate your Maryland paycheck.

Accuracy Note

Calculations on this page are based on IRS Rev. Proc. 2025-32, IRS Publication 15-T, and Maryland Comptroller guidance for 2026.