Your work. Your state. Your take-home.
Maryland paycheck calculator 2026
See what lands in your bank account. Estimate Maryland take-home pay after federal and state taxes and your benefits.
Your pay details
2026 tax yearEstimated take-home pay
Confirm required state settings to estimate your pay.
The salary examples below use the assumptions stated with that table.
This is a full-year average. Actual checks can change when Social Security or state wage caps are reached, or Additional Medicare withholding begins.
IRS, SSA and state agency rules, linked below.
Employee taxes and benefits shown separately.
Steady wages projected over a full year.
How Maryland taxes your paycheck
Maryland withholding includes both a state amount and a county amount. This calculator follows the official 2026 annual percentage withholding tables, which start at 4.75% for the state portion. The lower rates used on a final income-tax return are not the same withholding schedule.
The annual payroll formula subtracts a $3,400 standard deduction and $3,200 for each MW507 allowance. County tax uses the employee residence selected below. Anne Arundel applies marginal bands; Frederick selects one rate for the entire taxable amount.
Maryland FAMLI contributions start in January 2027. No FAMLI employee contribution is deducted from a 2026 paycheck in this calculator.
Schedule effective 2026-01-01. Annual totals project this schedule over a full year; they do not reconstruct earlier 2026 checks.
| Item | 2026 rule |
|---|---|
| State withholding | $0 to $100,000 single: 4.75%; then 5%, 5.25%, 5.5%, 5.75%, 6.25% and 6.5%. Joint/head thresholds differ. |
| Payroll deductions | $3,400 standard deduction plus $3,200 per MW507 allowance. |
| Fixed county rates | 2.25% to 3.30%; selected county applies to taxable payroll wages. |
| Anne Arundel | Single: 2.70% first $50,000, 2.94% to $400,000, 3.20% above. Joint/head: $75,000 and $480,000 thresholds. |
| Frederick | Entire taxable amount at 2.25%, 2.75%, 2.96%, or 3.20%, depending on income tier and filing status. |
| FAMLI | No 2026 contribution; payroll collections begin January 2027. |
| Single annual taxable wages above $0 | $0.00 + 4.75% above that threshold |
| Single annual taxable wages above $100,000 | $4,750.00 + 5% above that threshold |
| Single annual taxable wages above $125,000 | $6,000.00 + 5.25% above that threshold |
| Single annual taxable wages above $150,000 | $7,312.50 + 5.5% above that threshold |
| Single annual taxable wages above $250,000 | $12,812.50 + 5.75% above that threshold |
| Single annual taxable wages above $500,000 | $27,187.50 + 6.25% above that threshold |
| Single annual taxable wages above $1,000,000 | $58,437.50 + 6.5% above that threshold |
| Joint/head annual taxable wages above $0 | $0.00 + 4.75% above that threshold |
| Joint/head annual taxable wages above $150,000 | $7,125.00 + 5% above that threshold |
| Joint/head annual taxable wages above $175,000 | $8,375.00 + 5.25% above that threshold |
| Joint/head annual taxable wages above $225,000 | $11,000.00 + 5.5% above that threshold |
| Joint/head annual taxable wages above $300,000 | $15,125.00 + 5.75% above that threshold |
| Joint/head annual taxable wages above $600,000 | $32,375.00 + 6.25% above that threshold |
| Joint/head annual taxable wages above $1,200,000 | $69,875.00 + 6.5% above that threshold |
| Allegany county tax | 3.2% of taxable payroll wages |
| Baltimore County county tax | 3.2% of taxable payroll wages |
| Calvert county tax | 3.2% of taxable payroll wages |
| Caroline county tax | 3.2% of taxable payroll wages |
| Carroll county tax | 3.03% of taxable payroll wages |
| Cecil county tax | 2.74% of taxable payroll wages |
| Charles county tax | 3.03% of taxable payroll wages |
| Dorchester county tax | 3.3% of taxable payroll wages |
| Garrett county tax | 2.65% of taxable payroll wages |
| Harford county tax | 3.06% of taxable payroll wages |
| Howard county tax | 3.2% of taxable payroll wages |
| Kent county tax | 3.3% of taxable payroll wages |
| Montgomery county tax | 3.2% of taxable payroll wages |
| Prince George's county tax | 3.2% of taxable payroll wages |
| Queen Anne's county tax | 3.2% of taxable payroll wages |
| St. Mary's county tax | 3.2% of taxable payroll wages |
| Somerset county tax | 3.2% of taxable payroll wages |
| Talbot county tax | 2.4% of taxable payroll wages |
| Washington county tax | 2.95% of taxable payroll wages |
| Wicomico county tax | 3.2% of taxable payroll wages |
| Worcester county tax | 2.25% of taxable payroll wages |
| Baltimore City county tax | 3.2% of taxable payroll wages |
These are employee payroll withholding rules. Your final income tax return may use different deductions, credits or rates.
Maryland take-home pay examples
Compare three salaries with the same calculator. These examples update with your filing status, pay frequency and benefits settings.
| Annual salary | Annual take-home | Average paycheck |
|---|---|---|
| $40,000.00 | $31,410.30 | $1,208.09 |
| $75,000.00 | $55,900.30 | $2,150.01 |
| $120,000.00 | $83,938.80 | $3,228.42 |
Single, biweekly pay, no 401(k), health premium or extra federal withholding, and the state defaults shown above. Maryland illustrations use Baltimore City (3.20%).
Common paycheck questions
Why does Maryland need my county?
Maryland county income tax is based on where you live. Most counties use a single rate, but Anne Arundel and Frederick have income-based rules.
Does Maryland deduct paid family leave from 2026 pay?
The state FAMLI program begins collecting contributions in January 2027, so it has no 2026 deduction in this calculator.
Why might this differ from the state online calculator?
This page implements the published 2026 annual percentage withholding table. We found and documented a $52.50 annual difference in one official online comparison; the online tool and the printed percentage method should not be treated as interchangeable.
How accurate is this Maryland paycheck calculator?
It estimates regular wages using official 2026 withholding rules and the assumptions shown. Bonuses, multiple jobs, credits, employer plans and year-to-date pay can change actual checks. Compare the result with your pay stub and withholding certificates.
Are my salary details stored?
No. The calculation runs in your browser. Your entries are not sent to a calculation server, saved to local storage or used for advertising.
Official sources & last update
Rules reviewed on October 23, 2026. The linked agencies publish the authoritative rules. This website independently implements them; it is not an agency service.
- Maryland Comptroller 2026 Employer Withholding Guide, annual percentage tables pp 15-42
Retrieved 2026-10-23 - Maryland Withholding Tax Facts January-December 2026, revised 12/25
Retrieved 2026-10-23 - Maryland FAMLI: contributions begin January 2027
Retrieved 2026-10-23 - Maryland Comptroller official online withholding calculator; cross-check discrepancy documented
Retrieved 2026-10-23 - IRS Publication 15-T (2026), Worksheet 1A and annual standard withholding schedules
Retrieved 2026-10-23 - IRS Revenue Procedure 2025-32, sections 3.01 and 3.14 (2026 brackets and standard deduction)
Retrieved 2026-10-23 - SSA Contribution and Benefit Base, 2026 row
Retrieved 2026-10-23 - IRS Publication 15 (2026), sections 9 and 15 (FICA, Additional Medicare and traditional 401(k))
Retrieved 2026-10-23 - IRS qualified cafeteria-plan benefit tax treatment
Retrieved 2026-10-23 - IRS 2026 401(k) contribution limits
Retrieved 2026-10-23
Found a discrepancy? Compare the displayed assumption with the linked schedule and your pay stub. Until it is resolved, use your employer’s payroll calculation or consult a qualified tax professional.