Massachusetts Take-Home Pay Calculator 2026
How much take-home pay do you keep in Massachusetts?
Massachusetts taxes wages with a graduated schedule from 5% to 9% in 2026, on top of federal income tax and FICA. Enter your salary to see take-home pay per paycheck, after the Massachusetts standard deduction of $0 single and $0 married filing jointly and personal exemption of $4,400 single and $8,800 joint. Three taxes come out of a Massachusetts paycheck in this model.
Massachusetts taxes wages with a graduated schedule from 5% to 9% in 2026, on top of federal income tax and FICA. Enter your salary to see take-home pay per paycheck, after the Massachusetts standard deduction of $0 single and $0 married filing jointly and personal exemption of $4,400 single and $8,800 joint.
Last updated: October 2026
Your pay details
Simple 2026 model: standard deduction and personal exemption only. No credits, no local taxes, no pre-tax deductions.
How take-home pay works in Massachusetts
Three taxes come out of a Massachusetts paycheck in this model. Federal income tax uses the 2026 brackets and the federal standard deduction ($16,100 single, $32,200 married filing jointly). FICA is a flat 7.65 percent of gross pay (Social Security plus Medicare combined; very high earners hit the Social Security wage cap and the additional Medicare tax, which this simple model does not split out). State tax uses the 2026 Massachusetts schedule described below. What remains is take-home pay.
2026 Massachusetts income tax brackets
Rates apply to state taxable income: gross pay minus the standard deduction and personal exemption. Brackets fill from the bottom up, so only the income inside a bracket is taxed at that bracket's rate.
| Taxable income | Rate |
|---|---|
| $0 to $1,083,150 | 5% |
| $1,083,151 and up | 9% |
2026 deductions and exemptions in Massachusetts
| 2026 amount | Single | Married filing jointly |
|---|---|---|
| State standard deduction | None | None |
| State personal exemption (per filer) | $4,400 | $8,800 |
| Federal standard deduction | $16,100 | $32,200 |
Massachusetts taxes most wages at a flat 5 percent, plus a 4 percent surtax on income above about $1.08 million, shown as the 9 percent top bracket.
Worked examples: Massachusetts take-home pay
Single filer, no pre-tax deductions, paid every two weeks. Federal tax and FICA are the same in every state; only the state column changes.
| Single filer | Federal tax | FICA | State tax | Annual take-home | Biweekly take-home |
|---|---|---|---|---|---|
| $60,000 salary | $5,020 | $4,590 | $2,780 | $47,610 | $1,831.15 |
| $100,000 salary | $13,170 | $7,650 | $4,780 | $74,400 | $2,861.54 |
On a $60,000 salary in Massachusetts, annual take-home pay is $47,610. On a $100,000 salary, it is $74,400. Try your own salary, pay frequency, and filing status in the calculator above, or compare with the paycheck calculator and the federal income tax estimator.
Take-home pay in other states
- Alabama take-home pay (graduated state income tax from 2% to 5%)
- Alaska take-home pay (no state income tax on wages)
- Arizona take-home pay (flat 2.5% state income tax)
- Arkansas take-home pay (graduated state income tax from 2% to 3.9%)
- California take-home pay (graduated state income tax from 1% to 13.3%)
- Colorado take-home pay (flat 4.4% state income tax)
- Connecticut take-home pay (graduated state income tax from 2% to 6.99%)
- Delaware take-home pay (graduated state income tax from 0% to 6.6%)
- District of Columbia take-home pay (graduated state income tax from 4% to 10.75%)
- Florida take-home pay (no state income tax on wages)
- Georgia take-home pay (flat 5.19% state income tax)
- Hawaii take-home pay (graduated state income tax from 1.4% to 11%)
- Idaho take-home pay (flat 5.3% state income tax)
- Illinois take-home pay (flat 4.95% state income tax)
- Indiana take-home pay (flat 2.95% state income tax)
- Iowa take-home pay (flat 3.8% state income tax)
- Kansas take-home pay (graduated state income tax from 5.2% to 5.58%)
- Kentucky take-home pay (flat 3.5% state income tax)
- Louisiana take-home pay (flat 3% state income tax)
- Maine take-home pay (graduated state income tax from 5.8% to 7.15%)
- Maryland take-home pay (graduated state income tax from 2% to 6.5%)
- Michigan take-home pay (flat 4.25% state income tax)
- Minnesota take-home pay (graduated state income tax from 5.35% to 9.85%)
- Mississippi take-home pay (graduated state income tax from 0% to 4%)
- Missouri take-home pay (graduated state income tax from 0% to 4.7%)
- Montana take-home pay (graduated state income tax from 4.7% to 5.65%)
- Nebraska take-home pay (graduated state income tax from 2.46% to 4.55%)
- Nevada take-home pay (no state income tax on wages)
- New Hampshire take-home pay (no state income tax on wages)
- New Jersey take-home pay (graduated state income tax from 1.4% to 10.75%)
- New Mexico take-home pay (graduated state income tax from 1.5% to 5.9%)
- New York take-home pay (graduated state income tax from 3.9% to 10.9%)
- North Carolina take-home pay (flat 3.99% state income tax)
- North Dakota take-home pay (graduated state income tax from 0% to 2.5%)
- Ohio take-home pay (graduated state income tax from 0% to 2.75%)
- Oklahoma take-home pay (graduated state income tax from 0% to 4.5%)
- Oregon take-home pay (graduated state income tax from 4.75% to 9.9%)
- Pennsylvania take-home pay (flat 3.07% state income tax)
- Rhode Island take-home pay (graduated state income tax from 3.75% to 5.99%)
- South Carolina take-home pay (graduated state income tax from 0% to 6%)
- South Dakota take-home pay (no state income tax on wages)
- Tennessee take-home pay (no state income tax on wages)
- Texas take-home pay (no state income tax on wages)
- Utah take-home pay (flat 4.5% state income tax)
- Vermont take-home pay (graduated state income tax from 3.35% to 8.75%)
- Virginia take-home pay (graduated state income tax from 2% to 5.75%)
- Washington take-home pay (no state income tax on wages)
- West Virginia take-home pay (graduated state income tax from 2.22% to 4.82%)
- Wisconsin take-home pay (graduated state income tax from 3.5% to 7.65%)
- Wyoming take-home pay (no state income tax on wages)
See the full index of take-home pay by state.
Massachusetts take-home pay FAQs
What are the Massachusetts state income tax brackets in 2026?
Massachusetts uses a graduated schedule in 2026, running from 5% on the first dollars of taxable income to a top rate of 9%. The full bracket table is on this page. On $75,000 gross as a single filer, state tax is $3,530 for the year.
How much tax comes out of a $75,000 salary in Massachusetts?
On $75,000 gross as a single filer, federal income tax is $7,670, FICA is $5,738, and Massachusetts state tax is $3,530, leaving $58,062 of annual take-home pay, or $2,233.17 per biweekly paycheck.
What is the Massachusetts standard deduction in 2026?
For 2026 the Massachusetts standard deduction is $0 for single filers and $0 for married filing jointly and the personal exemption is $4,400 single and $8,800 joint. This calculator subtracts the standard deduction and personal exemption before applying the state rates.
Does this Massachusetts estimate include local taxes and credits?
No. It covers federal income tax, FICA at a flat 7.65 percent, and the Massachusetts state income tax only. Local or city income taxes, tax credits, and pre-tax deductions such as 401(k) contributions are not modeled, so a real paycheck can differ.