What actually lands in your bank account from a Maryland paycheck in 2026 — every deduction line, per paycheck and per year, computed from the official tables.
At 0% you put away $0 a year; each extra 1% costs about $29 a paycheck before its tax saving.
You keep 75% of gross pay — $2,171 of every $2,885 paycheck.
Inner ring: the five buckets of your gross pay. Outer ring: what each bucket is made of, per paycheck.
The same numbers, in the shape you see at work. It rewrites itself as you change the inputs above.
Each bar starts where the previous one ended. What is left at the bottom is your paycheck.
| Line | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,885 | $75,000 |
| Federal income tax | -$295 | -$7,670 |
| Social Security | -$179 | -$4,650 |
| Medicare | -$42 | -$1,088 |
| Maryland income tax | -$123 | -$3,199 |
| Take-home pay | $2,171 | $56,443 |
Withholding in real life follows the IRS and Maryland withholding tables paycheck by paycheck, so an individual check can differ by a few dollars from this annualised estimate; the year-end totals are what the tables aim at.
| Frequency | Take-home per check | Gross per check |
|---|---|---|
| Weekly (52×/yr) | $1,085 | $1,442 |
| Biweekly (26×/yr) | $2,171 | $2,885 |
| Semimonthly (24×/yr) | $2,352 | $3,125 |
| Monthly (12×/yr) | $4,704 | $6,250 |
| Salary | Gross per check | Take-home per check | Take-home per year |
|---|---|---|---|
| $50,000 | $1,923 | $1,504 | $39,105 |
| $75,000 | $2,885 | $2,171 | $56,443 |
| $100,000 | $3,846 | $2,774 | $72,130 |
| $125,000 | $4,808 | $3,369 | $87,582 |
The state-specific rules behind the numbers above — the things a generic calculator gets wrong about Maryland.
Maryland is one of the few states where local income tax is mandatory and universal. On top of the state graduated rates — 2% on the first $1,000 of taxable income for a single filer, rising through 4.75% over $3,000 to $100,000, 5% to $125,000, 5.25% to $150,000, 5.50% to $250,000 and 5.75% to $500,000 — every county and Baltimore City levies its own piggyback tax on the same Maryland taxable income. For 2026 those local rates run from about 2.25% to 3.3%, with most large counties at 3.20%. Your county of residence, not where you work in Maryland, sets the rate, and it is collected on the same state return.
Source: Tax Foundation 2026 state income tax brackets; Comptroller of Maryland / Maryland Department of Legislative Services 2026 county local tax rates
Maryland's standard deduction for a single filer is just $3,350 for 2026 — far below the federal amount — and the personal exemption is $3,200. That exemption phases out for single filers with federal adjusted gross income between $100,000 and $150,000, so higher earners lose it entirely. Because the deductions are small, a much larger share of a Maryland salary reaches taxable income than the federal calculation would suggest, before the county tax is even applied.
Source: Tax Foundation 2026 state income tax data (Maryland standard deduction and personal exemption)
Maryland does not tax Social Security benefits: the federally taxed portion is subtracted on the Maryland return, for both state and county tax. The catch is the pension exclusion for qualifying retirees aged 65 or over or totally disabled. That exclusion is reduced dollar-for-dollar by the total Social Security and Railroad Retirement benefits you receive — the so-called Social Security offset. A retiree with large Social Security benefits can therefore have little or no pension exclusion left, even though the Social Security itself was never taxed.
Source: Comptroller of Maryland, seniors and retirees guidance and Technical Bulletin 51; Maryland pension exclusion worksheet
The Budget Reconciliation and Financing Act of 2025 (House Bill 352) added two top state brackets that did not exist before: 6.25% on single-filer taxable income over $500,000 to $1,000,000 and 6.50% over $1,000,000. The same law created a separate 2% surtax on net capital gains for taxpayers with federal adjusted gross income over $350,000, with exclusions including a primary residence sold for under $1,500,000 and assets held in retirement accounts. Combined with a 3.3% county tax, top combined rates on affected gains can approach 11.8%.
Source: Maryland Budget Reconciliation and Financing Act of 2025 (HB 352); Comptroller of Maryland 2025 legislative summary
Mandatory county income tax in every Maryland county and Baltimore City, levied on Maryland taxable income and filed on the state return: about 2.25% to 3.3% for 2026, most large jurisdictions at 3.20%, averaging roughly 2.4% of AGI in effective terms. Anne Arundel and Frederick use graduated local rates; the rest are generally flat. This is the defining extra layer of Maryland tax — there is no Maryland locality without one.
Source: Tax Foundation, 2026 State Individual Income Tax Rates and Brackets (Maryland brackets, $3,350 standard deduction, $3,200 personal exemption)
Because every Maryland county and Baltimore City levies a mandatory piggyback income tax on the same taxable income as the state tax. For 2026 the county rates are about 2.25% to 3.3%, most large counties charge 3.20%, and the rate is set by where you live, not where you work. It is withheld and filed together with your Maryland state return.
Maryland is graduated: 2% on the first $1,000, 3% to $2,000, 4% to $3,000, 4.75% to $100,000, 5% to $125,000, 5.25% to $150,000, 5.50% to $250,000, 5.75% to $500,000, 6.25% to $1,000,000 and 6.50% above $1,000,000 — and then your county tax applies on top of the state result.
On $75,000 as a single filer, the Maryland state portion estimated by this calculator is $3,199, before your county tax is added, leaving estimated take-home of $56,443 after federal tax of $7,670 and FICA of $5,738. Add roughly 2.25% to 3.3% of Maryland taxable income for your county to get the full Maryland picture.
No. Maryland fully subtracts the federally taxed portion of Social Security, so it is exempt from both state and county income tax at any income level. Be aware, though, that Social Security reduces your Maryland pension exclusion dollar-for-dollar, which can make more of a separate pension taxable.
From tax year 2025, under the Budget Reconciliation and Financing Act of 2025, Maryland imposes an extra 2% surtax on net capital gains if your federal adjusted gross income exceeds $350,000, whatever your filing status. Certain gains are excluded, including a primary residence sold for under $1,500,000 and gains inside retirement accounts.
For a single filer it is $3,350, with a $3,200 personal exemption on top. The exemption phases out between $100,000 and $150,000 of federal adjusted gross income for single filers, so it disappears entirely at higher incomes — one reason Maryland taxable income is usually much closer to gross pay than federal taxable income.
Maryland paycheck calculator for 2026: exact take-home pay per paycheck and per year after federal tax, Social Security, Medicare and Maryland tax — on any salary or hourly wage.
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See what actually lands in your bank account from a Maryland paycheck in 2026: federal income tax, Social Security and Medicare, and Maryland state income tax — per paycheck and per year, on a salary or an hourly wage, at any pay frequency. Rates checked 31 October 2026; all figures are for the 2026 tax year.
On a $75,000 salary paid bi-weekly in Maryland (single filer, 2026): gross per paycheck is $2,884.62, federal withholding $295.00, Social Security and Medicare $220.67, Maryland tax $198.07, leaving take-home of $2,170.88 per paycheck — $56,442.80 a year.
The calculator annualises your pay, works out the year’s federal tax (2026 brackets and standard deduction, IRS Rev. Proc. 2025-32), Social Security at 6.2% to the $184,500 wage base, Medicare at 1.45% plus the 0.9% additional tax over the threshold, and Maryland tax on the state’s own 2026 schedule, then divides by your pay frequency. Pre-tax deductions reduce the taxable amounts before the annual figure is split.
Because every Maryland county and Baltimore City levies a mandatory piggyback income tax on the same taxable income as the state tax. For 2026 the county rates are about 2.25% to 3.3%, most large counties charge 3.20%, and the rate is set by where you live, not where you work. It is withheld and filed together with your Maryland state return.
Maryland is graduated: 2% on the first $1,000, 3% to $2,000, 4% to $3,000, 4.75% to $100,000, 5% to $125,000, 5.25% to $150,000, 5.50% to $250,000, 5.75% to $500,000, 6.25% to $1,000,000 and 6.50% above $1,000,000 — and then your county tax applies on top of the state result.
On $75,000 as a single filer, the Maryland state portion estimated by this calculator is $3,199, before your county tax is added, leaving estimated take-home of $56,443 after federal tax of $7,670 and FICA of $5,738. Add roughly 2.25% to 3.3% of Maryland taxable income for your county to get the full Maryland picture.
No. Maryland fully subtracts the federally taxed portion of Social Security, so it is exempt from both state and county income tax at any income level. Be aware, though, that Social Security reduces your Maryland pension exclusion dollar-for-dollar, which can make more of a separate pension taxable.
From tax year 2025, under the Budget Reconciliation and Financing Act of 2025, Maryland imposes an extra 2% surtax on net capital gains if your federal adjusted gross income exceeds $350,000, whatever your filing status. Certain gains are excluded, including a primary residence sold for under $1,500,000 and gains inside retirement accounts.
For a single filer it is $3,350, with a $3,200 personal exemption on top. The exemption phases out between $100,000 and $150,000 of federal adjusted gross income for single filers, so it disappears entirely at higher incomes — one reason Maryland taxable income is usually much closer to gross pay than federal taxable income.
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