Last updated: September 2026

Massachusetts Paycheck Calculator

A single filer earning $75,000 in Massachusetts keeps about $57,718 a year, or $2,220 every two weeks. Massachusetts income tax takes about $3,530 of that salary and paid family and medical leave up to $345. The paid leave deduction is set to change shape in 2027.

Massachusetts tax data current for 2025 & 2026 · 2027 available as a projection · Updated for the One Big Beautiful Bill Act

Estimate Your Take-Home Pay

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Pre-Tax Deductions (optional)
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Reduces taxable income. Does not reduce Social Security or Medicare.

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Section 125 plan — reduces income tax and FICA.

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Reduces income tax and FICA.

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From Step 4(c) of your W-4.

Results update automatically as you type.

Estimated Take-Home Pay
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per paycheck
Item Per Check Annual
Gross Pay — —
Federal Income Tax — —
Social Security (6.2%) — —
Medicare (1.45%) — —
Take-Home Pay — —
Effective Tax Rate
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all taxes combined
Total Deductions
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per paycheck

Estimates federal, state, and select city taxes. Actual withholding may vary.

Massachusetts Salary After Taxes at Common Pay Levels (2026)

Take-home pay for a single filer in Massachusetts after federal income tax, Social Security and Medicare, Massachusetts state income tax, and the MA PFML premium. Based on the 2026 IRS tables and the Massachusetts state 2026 schedule.

Annual Salary Federal Tax FICA MA Tax SDI Take-Home Effective Rate
$40,000 $2,620 $3,060 $1,780 $184 $32,356 19.1%
$60,000 $5,020 $4,590 $2,780 $276 $47,334 21.1%
$80,000 $8,770 $6,120 $3,780 $368 $60,962 23.8%
$100,000 $13,170 $7,650 $4,780 $460 $73,940 26.1%
$150,000 $24,734 $11,475 $7,280 $690 $105,821 29.5%
$200,000 $36,734 $14,339 $9,780 $849 $138,298 30.9%

Single filer, no pre-tax deductions. Assumes year-round wages; standard deduction applied. Effective rate counts every deduction shown, including SDI. The federal brackets, standard deduction and Social Security wage base behind these figures are on the 2026 tax figures page.

Massachusetts Take-Home Pay by Pay Frequency (2026)

The same Massachusetts take-home figures divided across common pay schedules — what actually lands in your account each payday, after federal tax, FICA, Massachusetts state income tax, and the MA PFML premium.

Annual Salary Weekly52/yr Biweekly26/yr Semi-Monthly24/yr Monthly12/yr
$40,000 $622 $1,244 $1,348 $2,696
$60,000 $910 $1,821 $1,972 $3,945
$80,000 $1,172 $2,345 $2,540 $5,080
$100,000 $1,422 $2,844 $3,081 $6,162
$150,000 $2,035 $4,070 $4,409 $8,818
$200,000 $2,660 $5,319 $5,762 $11,525

Biweekly and semi-monthly are not the same thing. Biweekly means every other Friday — 26 paychecks a year, so two months each year contain three paydays. Semi-monthly means twice a month (often the 15th and the last day) — 24 slightly larger paychecks. On a $40,000 salary in Massachusetts, that difference is about $104 per check. Annual take-home is identical either way.

Single filer, no pre-tax deductions. Divides annual take-home evenly; real paychecks vary slightly with withholding rounding and benefit deductions.

What's different about a Massachusetts paycheck

Paid leave: up to 0.46% of wages

For 2025 and 2026 the paid family and medical leave contribution is 0.88% of wages up to the Social Security wage base. Your employer can take the whole family leave share from your pay, 0.18%, and up to 40% of the medical leave share, 0.28%, for a maximum of 0.46%. Employers with 25 or more workers pay the remaining 0.42%; smaller employers owe no share of their own. Some employers cover part of the employee share, so your stub may show less. The tables on this page use the full 0.46%.

The paid leave split changes in 2027

Chapter 101 of the Acts of 2026 moves the employer share from medical leave to family leave from January 1, 2027, in response to IRS guidance on how benefits are taxed. Employers with 25 or more workers will be able to withhold up to all of the medical leave contribution and 40% of the family leave contribution. The 2027 rate is set by October 1; until it is announced, the calculator's 2027 figures keep the 2026 deduction.

Withholding at 5%

Massachusetts withholds 5% of wages after the allowances you claim on Form M-4, and adds the 4% surtax rate on wages above $1,107,750 for 2026. Very high earners with large bonuses or stock compensation should check that enough is withheld to cover the surtax.

Minimum wage and tipped workers

The minimum wage has been $15.00 an hour since January 1, 2023, the last step of a five-year schedule; no further increase is scheduled. Tipped workers who earn more than $20 a month in tips can be paid a $6.75 service rate, with tips making up the difference. Full-time at $15.00 is $31,200 a year, about $25,766 after taxes and paid leave.

Renters get it back at tax time

Nothing on a Massachusetts paycheck reflects the rental deduction. If you rent, half your rent, up to $4,000, comes off your taxable income when you file, worth up to $200. Withholding is based on the M-4, so the saving usually arrives as a refund.

For the annual picture, including capital gains, credits, and filing deadlines, see the Massachusetts income tax calculator.

Massachusetts Income Tax Brackets (2026)

Tax RateSingle FilerMarried Filing Jointly
5%$0 – $1,107,750$0 – $1,107,750
9%Over $1,107,750Over $1,107,750
Personal exemption
$4,400 single · $8,800 joint

Brackets shown are marginal: each rate applies only to the portion of taxable income within that bracket, not your total income. Taxable income equals gross wages minus pre-tax deductions and the personal exemption.

Top Cities in Massachusetts

The largest cities in Massachusetts, by U.S. Census Bureau estimate for July 1, 2025:

  • Boston — 672,973 residents
  • Worcester — 213,862 residents
  • Springfield — 154,702 residents
  • Cambridge — 122,588 residents

How Massachusetts Compares to Neighboring States

Single-filer take-home on a $75,000 annual salary in 2026, federal + state income tax + FICA only:

State Take-Home vs. Massachusetts
Massachusetts (here) $58,063 —
New Hampshire $61,593 +$3,530
Vermont $59,103 +$1,040
New York $58,140 +$77
Connecticut $58,118 +$55
Rhode Island $59,397 +$1,334

Take-home reflects single filer, no pre-tax deductions; SDI/PFML and local taxes excluded for an apples-to-apples comparison.

Frequently Asked Questions

What is the Massachusetts state income tax rate?

Massachusetts has progressive income tax brackets ranging from 5% to 9%. Most middle-income earners hit the middle brackets; the top rate applies only above $1,107,750.

How much is taken out of my paycheck in Massachusetts?

For a single filer earning $75,000 in Massachusetts (2026): about $7,670 in federal income tax, $5,738 in Social Security and Medicare, $3,530 in Massachusetts state income tax, and $345 for the MA PFML premium, leaving about $57,718 a year, or $2,220 per biweekly paycheck.

What is the PFML deduction on my Massachusetts paycheck?

Your share of the paid family and medical leave contribution: up to 0.46% of wages in 2026, 0.18% for family leave and 0.28% for medical leave, on wages up to the Social Security wage base. Your employer may pay some of it for you.

Will the Massachusetts PFML deduction go up in 2027?

The split is changing. From 2027 larger employers can withhold up to all of the medical leave contribution instead of 40%, and the new total rate is set by October 1, 2026. How much more you pay depends on that rate and on how much your employer chooses to cover.

What is the minimum wage in Massachusetts in 2026?

$15.00 an hour, unchanged since 2023, and $6.75 for tipped workers who earn more than $20 a month in tips.

Does Massachusetts withhold extra for the millionaires surtax?

Yes. Withholding adds the 4% surtax rate on wages above the year's threshold, $1,107,750 for 2026.

More Massachusetts Calculators

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