Massachusetts Paycheck Calculator (2026)
Estimate your take-home pay in Massachusetts after federal tax, Social Security, Medicare and state income tax.
Take-home pay in Massachusetts at common salaries
These figures assume a single filer, no pre-tax deductions, paid every two weeks. Massachusetts taxes wages using graduated brackets, applied on top of federal income tax and FICA. For example, a $60,000 salary comes to about $1,824.38 per paycheck, or $47,434 per year.
| Gross salary | Take-home (biweekly) | Take-home (yearly) | Taxes as % of gross |
|---|---|---|---|
| $30,000 | $960.27 | $24,967 | 16.8% |
| $45,000 | $1,392.33 | $36,201 | 19.6% |
| $60,000 | $1,824.38 | $47,434 | 20.9% |
| $80,000 | $2,348.54 | $61,062 | 23.7% |
| $100,000 | $2,847.69 | $74,040 | 26.0% |
| $150,000 | $4,073.88 | $105,921 | 29.4% |
How much does Massachusetts take from your pay?
For a single filer with no pre-tax deductions, Massachusetts income tax comes to about $1,680 a year on $40,000 (4.2% of gross), $2,680 on $60,000 (4.5%) and $4,680 on $100,000 (4.7%). Mandatory payroll contributions add about $276 a year at that salary. By comparison, the same $60,000 salary in a state with no income tax keeps that $2,680 in your pocket each year, before any sales, property or other taxes.
Massachusetts rules built into this calculator
- Massachusetts does not allow a standard deduction on wages; a personal exemption is allowed instead.
- A personal exemption of $4,400 (single), $6,800 (head of household) or $8,800 (married filing jointly) is subtracted.
- Traditional 401(k) contributions reduce Massachusetts taxable wages as well as federal taxable wages.
- Payroll contribution: Massachusetts Paid Family and Medical Leave premium, withheld at 0.46% of wages up to $184,500. It is included in the payroll deductions line and is not counted as income tax.
- Massachusetts lets you deduct the Social Security and Medicare you pay, up to $2,000 per person.
- Massachusetts charges no income tax at all at or below $8,000 of income for single filers, $14,400 for head of household and $16,400 for married filing jointly.
How this calculator works
- Pre-tax deductions. Any 401(k) contribution is subtracted first.
- Federal income tax. The 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) is subtracted, then marginal brackets from 10% to 37% apply.
- FICA. Social Security and Medicare are calculated on gross wages.
- State tax. Massachusetts taxes wages using graduated brackets, applied on top of federal income tax and FICA.
Simplifications: assumes wages only, no dependents or credits, the standard deduction, and no local or city taxes. Federal figures follow IRS Rev. Proc. 2025-32 and the SSA 2026 wage base. Rates and deductions last verified against official sources on October 14, 2026.
Frequently asked questions
Does Massachusetts have a state income tax?
Yes. Massachusetts uses graduated rates that rise with income. Massachusetts taxes wages at a flat 5% after a personal exemption of $4,400 (single), $6,800 (head of household) or $8,800 (married filing jointly) and a deduction for the Social Security and Medicare you pay, up to $2,000 per person. Income above $1,107,750 is subject to an extra 4% surtax in 2026. There is no income tax at all below $8,000 for single filers. Massachusetts Paid Family and Medical Leave premiums are withheld at up to 0.46% of wages up to the Social Security wage base; employers with 25 or more employees pay the rest. Dependents, rent, medical and other deductions and the limited income credit are not included. Massachusetts does not levy local income taxes on wages.
How much Massachusetts income tax will I pay on $60,000?
A single filer with no pre-tax deductions pays about $2,680 a year in Massachusetts income tax on $60,000, which is roughly $103.08 per biweekly paycheck. Your figure will differ with filing status, 401(k) contributions and local taxes.
What is FICA?
FICA is the payroll tax that funds Social Security and Medicare. In 2026 the employee share is 6.2% Social Security on wages up to $184,500 and 1.45% Medicare on all wages, plus 0.9% Additional Medicare on wages above $200,000.
Why is my real paycheck different from this estimate?
Health insurance premiums, HSA or FSA contributions, local taxes, your W-4 settings, and extra withholding all change the amount. Use this as a planning estimate and check your pay stub for exact figures.
How does a 401(k) contribution change my take-home?
Traditional 401(k) contributions reduce the wages used for federal and state income tax, but not Social Security or Medicare tax. Your take-home falls by less than the amount you contribute.