Paycheck · Massachusetts · 2026

Massachusetts Paycheck Calculator

Massachusetts taxes wages at 5% to 9%. Estimate your 2026 take-home pay after federal and Massachusetts taxes.

Last reviewed October 9, 2026 · Calculation tax.paycheck v2.0.0

Your pay and filing details

2026 federal rules plus your state's income tax, local tax and payroll programs. Your numbers stay in your browser.

State you live and work in

We assume you live and work in the same state.

How you're paid

Salary (yearly)Hourly

Annual gross pay from this job

Before any deductions.

Hourly rate

Regular hours a week

Overtime hours a week (optional)

Overtime pay rate (optional)

Filing status

Pay frequency

Dependents (optional)

Used for state exemptions and credits. For federal credits, use the fields below.

Spouse's yearly wages (optional)

Affects the yearly tax estimate on a joint return. If blank, we show the result as if there is no other household income — and say so.

Pre-tax deductions (per year)

Reduce income tax only (optional)

Usually traditional 401(k) or 403(b) contributions. Social Security and Medicare still apply.

Reduce income tax and Social Security/Medicare (optional)

Usually health, dental or vision premiums and FSA/HSA contributions through a Section 125 plan. Check your pay stub or ask payroll.

Federal tax credits you expect to claim (optional)

For the yearly estimate only, e.g. the child tax credit. We don't work out eligibility.

Form W-4 entries (optional — affects federal withholding)

W-4 Step 1(c) filing status

Step 2 box checked (two jobs, or spouse works)

Step 3: claim dependents and other credits (optional)

Step 4(a): other income (per year) (optional)

Step 4(b): deductions (per year) (optional)

The 2026 W-4 worksheet lets you include expected tips, overtime, car-loan interest and senior deductions here.

Step 4(c): extra withholding per paycheck (optional)

Estimated take-home pay per paycheck

$1,820.54

after federal, Massachusetts taxes and state payroll deductions

Estimate · 2026 tax rules

Each paycheck · 26 a year

Gross pay: $2,307.69
Pre-tax deductions: −$0.00
Federal income tax withheld: −$193.08
Social Security (6.2%): −$143.08
Medicare (1.45%): −$33.46
State income tax (estimate): −$106.92
Local income tax (estimate): −$0.00
State payroll deductions: −$10.62
Take-home pay: $1,820.54

For the whole year

Gross pay: $60,000.00
Take-home pay: $47,334.00
Share of gross you keep: 78.9%
Federal income tax owed (estimate): $5,020.00
Federal effective / marginal rate: 8.4% / 12%
State income tax owed (estimate): $2,780.00
State effective / marginal rate: 4.6% / 5%

Massachusetts details

State taxable income: $55,600.00
State income tax for the year: $2,780.00
PFML (Paid Family & Medical Leave) employee share: $276.00 a year

Leaves out the deduction for Social Security and Medicare withheld (worth up to $100) and the No Tax Status and Limited Income Credit for low incomes.

Massachusetts paycheck guide: rates, deductions and sources

Federal withholding vs. estimated federal tax

Federal income tax withheld over the year: $5,020.00
Difference: About even

A positive difference suggests a federal refund; a negative one suggests you may owe. Other income, deductions and credits change it.

Federal tax brackets applied to your taxable income

How your federal taxable income is taxed
Rate	Income in this bracket	Tax
10%	$12,400.00	$1,240.00
12%	$31,500.00	$3,780.00

How state tax is estimated

We estimate the state income tax you'll owe for the year — wages, minus pre-tax deductions your state allows, minus its standard deduction and exemptions — then apply the state's 2026 brackets and credits, and divide by your number of paychecks. Your employer's withholding uses each state's own formula, so individual paychecks can differ by a few dollars. Employee-paid state programs (disability insurance, paid family leave and similar) are shown separately with their wage caps.

Calculation tax.state-wages v1.0.0; paycheck tax.paycheck v2.0.0; federal tax.federal-paycheck v1.0.0.

Massachusetts paycheck taxes at a glance

Massachusetts payroll taxes for 2026
Item	Massachusetts
State income tax on wages	5% to 9%
Brackets	2 for single filers
Standard deduction (single)	None
Local income tax	None on wages
Employee-paid state programs	PFML (Paid Family & Medical Leave) employee share: 0.46%
Take-home on $60,000 (single, biweekly)	$1,820.54 per paycheck · $47,334 a year
Rank for take-home on $60,000	49 of 51 (1 = keeps the most)

Massachusetts income tax brackets

Massachusetts taxes each slice of taxable income at its own rate, like the federal system. Taxable income is your wages minus the pre-tax deductions Massachusetts allows and the deductions and exemptions below.

Massachusetts 2026 income tax brackets (taxable income)
Rate	Taxable income (all filers)
5%	$0 – $1,107,750
9%	Over $1,107,750

Deductions, exemptions and credits

Massachusetts standard deduction, exemptions and personal credits
Filing status	Standard deduction	Personal exemption	Personal credit
Single	None	$4,400	None
Married filing jointly	None	$8,800	None
Married filing separately	None	$4,400	None
Head of household	None	$6,800	None

Dependents: $1,000 exemption each.
Traditional 401(k) contributions reduce Massachusetts taxable wages.
Section 125 health premiums reduce Massachusetts taxable wages.

Payroll deductions besides tax

Employee-paid Massachusetts payroll programs, 2026
Program	Employee rate	Wage cap	Maximum a year
PFML (Paid Family & Medical Leave) employee share	0.46%	$184,500	$848.70

Employers may choose to pay some or all of PFML for you, in which case your deduction is smaller than shown.

Example paychecks in Massachusetts

Single filer, biweekly pay, no pre-tax deductions
Annual pay	Gross per paycheck	Federal tax + FICA	State & local tax	State programs	Take-home per paycheck	Share kept
$40,000	$1,538.46	$218.46	$68.46	$7.08	$1,244.46	80.9%
$60,000	$2,307.69	$369.62	$106.92	$10.62	$1,820.54	78.9%
$80,000	$3,076.92	$572.69	$145.38	$14.15	$2,344.69	76.2%
$100,000	$3,846.15	$800.77	$183.85	$17.69	$2,843.85	73.9%
$150,000	$5,769.23	$1,392.65	$280.00	$26.54	$4,070.04	70.5%

Massachusetts vs. neighboring states

Single filer, $60,000 a year, biweekly, no local tax
State	Income tax on wages	Take-home a year	Per paycheck
Massachusetts	5% to 9%	$47,334	$1,820.54
Connecticut	2% to 6.99%	$47,540	$1,828.46
New Hampshire	No income tax on wages	$50,390	$1,938.08
New York	3.9% to 10.9%	$47,457	$1,825.25
Rhode Island	3.75% to 5.99%	$48,097	$1,849.88
Vermont	3.35% to 8.75%	$48,814	$1,877.45

See all 50 states and DC side by side at any salary.

Bonuses and other supplemental pay

Federal withholding on a bonus paid separately is usually a flat 22% (37% on supplemental pay over $1 million in a year). Massachusetts doesn't publish a single flat rate we could confirm, so employers typically add the bonus to regular pay for the period when working out state withholding. Use the bonus tax calculator to see what a bonus check will look like.

What this estimate leaves out

Leaves out the deduction for Social Security and Medicare withheld (worth up to $100) and the No Tax Status and Limited Income Credit for low incomes.
We assume you live and work in Massachusetts. Federal limitations are listed on the main paycheck calculator.

Sources and verification

Figures checked on October 9, 2026 (read from the state's own publications). 5.0% rate, $1,107,750 2026 surtax threshold, $4,400 exemption and $2,000 FICA/retirement subtraction read from DOR Circular M (2026); exemptions by filing status from mass.gov exemptions page (updated Jan 6, 2026); Tax Foundation 2026 table shows 2025 surtax threshold ($1,083,150).

Circular M: Income Tax Withholding Tables at 5.0% Effective January 1, 2026 — Massachusetts Department of Revenue. Accessed 2026-10-09.
View Massachusetts personal income tax exemptions — Massachusetts Department of Revenue. Accessed 2026-10-09.
Tax treatment of non-government pensions in Massachusetts — Massachusetts Department of Revenue. Accessed 2026-10-09.
State Individual Income Tax Rates and Brackets, 2026 — Tax Foundation. Accessed 2026-10-09.

Payroll program sources:

2026 Massachusetts PFML rates and benefits released — NFP. Accessed 2026-10-09.