Introduction
This free Maryland paycheck calculator shows you how much money you take home after taxes. Enter your salary or hourly wage, pick your county, and set your filing status. The tool does the rest. It breaks down federal income tax, Maryland state income tax, county local tax, Social Security, Medicare, and all your deductions.
For 2027, the IRS standard deduction is $16,600 for single filers and married people filing separately, $33,200 for married couples filing jointly and $24,925 for heads of household, and the 10% bracket covers the first $12,800 of taxable income for single filers ($25,600 for joint filers).8
Maryland has a progressive state income tax with a top rate of 6.50%.1 On top of that, every county in Maryland and Baltimore City charges its own local income tax, and the Comptroller's 2026 withholding tables cover local rates from 2.25% to 3.30%.1 These extra local taxes mean your take-home pay in Maryland depends a lot on where you live. This calculator handles all 23 counties and Baltimore City so you get an accurate result for your specific location.
You can also add pre-tax deductions like health insurance, 401(k), and HSA contributions, plus post-tax items like Roth 401(k) and child support. The calculator supports both the current W-4 form and the Maryland MW507 withholding form. Once you hit calculate, you get a full breakdown, a step-by-step explanation of the math, and a chart that shows exactly where every dollar of your paycheck goes.
How to Use Our Maryland Paycheck Calculator
Enter your pay details, tax filing info, and deductions below. The calculator will show your take-home pay, tax breakdown, and a chart of where your money goes each pay period or per year.
Pay & Job Type
Tax Year: Pick the tax year you want to calculate for. This sets the tax brackets, deductions, and county rates for that year. For 2027 the calculator uses the 2027 federal figures with the 2026 Maryland and county rates.
Pay Type: Choose "Salary" if you earn a fixed yearly amount. Choose "Hourly" if you are paid by the hour.
Annual Salary: If you picked Salary, type your total yearly pay before taxes.
Hourly Wage: If you picked Hourly, type the dollar amount you earn per hour.
Hours Per Pay Period: If you picked Hourly, enter the number of hours you work in each pay period. For example, 80 hours for a bi-weekly schedule.
Add Overtime: Turn this on if you work overtime hours. Then enter your overtime hourly rate and the number of overtime hours per pay period.
Adjustment to Pay: Enter a positive number for extra pay like a bonus. Enter a negative number for docked pay or leave without pay. Leave this at zero if it does not apply.
Pay Frequency: Select how often you get paid. Common choices are bi-weekly (every two weeks, 26 times a year), semi-monthly (twice a month), or monthly.
Leap Year Factor: Check this box only if you are paid daily and your employer counts 261 workdays in the year instead of 260. It changes the number of daily pay periods used for federal withholding from 260 to 261.
Maryland Location & Residency
County / Jurisdiction: Pick the Maryland county where you live. Each county has its own local income tax rate, and Anne Arundel and Frederick counties set rates that change with taxable income.1
Maryland Residency Type: Choose "Maryland Resident" if you live in the state. Choose "Non-Resident" if you work in Maryland but live in a state other than the District of Columbia, Virginia, West Virginia or Pennsylvania. Withholding for residents of a nonreciprocal state uses the special 2.25% nonresident rate instead of a county rate.1 Residents of the District of Columbia, Virginia or West Virginia who work in Maryland and do not keep a place of abode in Maryland for 183 days or more claim exemption from Maryland withholding on line 4 of Form MW507.7 Pennsylvania residents in the same position claim exemption from the state part on line 5, but still have local tax withheld at the rate of the Maryland county where they work, unless they qualify for an exemption on line 6 or line 7.7 For line 4, choose "Maryland Resident" and check both "Exempt from MD State Income Tax" and "Exempt from MD County/Local Tax" under Tax Exemptions. For line 5, pick the county where you work, choose "Maryland Resident" and check "Exempt from MD State Income Tax".
Federal Withholding (W-4)
Federal Filing Status: Pick the filing status shown on your W-4 form. Options include Single, Married Filing Jointly, Married Filing Separately, and Head of Household.
Step 2c (Multiple Jobs): Check this box if you marked the Step 2c box on your W-4. Step 2 is for when you hold more than one job at a time, or you are married filing jointly and your spouse also works, and the Step 2(c) box is only for when there are two jobs in total.10
Step 3 (Dependents): Enter the total yearly dollar amount from Step 3 of your W-4. This is the tax credit for your qualifying children and other dependents.10
Step 4a (Other Income): Enter any extra yearly income not from jobs, such as interest or dividends, as shown on your W-4 Step 4a.10
Step 4b (Deductions): Enter any extra yearly deductions beyond the standard deduction, as shown on your W-4 Step 4b.
Additional Federal Withholding: Enter any extra flat dollar amount you want taken out of each paycheck for federal taxes. This matches W-4 Step 4(c), extra withholding for each pay period.10
Maryland State Withholding (MW507)
Maryland Filing Status: Choose Single if you are single, married filing separately, or claimed as a dependent on another person's tax return.1 Choose Married if you are married filing jointly, qualify as head of household, or qualify as a widow or widower with a dependent child.1 If you checked "Married, but withhold at Single rate" on your MW507, choose Single.7
State Exemptions: Enter the number of exemptions you claimed on Line 1 of your MW507 form. This is the number of personal exemptions you will claim on your tax return.7 If your adjusted gross income will be more than $100,000 filing single or married filing separately, or more than $150,000 filing jointly or as head of household, use the Personal Exemption Worksheet on page 2 of the MW507 to find the number.7
Additional State Withholding: Enter any extra flat dollar amount you want withheld per paycheck for Maryland state tax. This is line 2 of your MW507, additional withholding per pay period under agreement with your employer.7
Additional Local Withholding: Enter any extra flat dollar amount you want withheld per paycheck for county local tax.
Pre-Tax Deductions
Medical / Health Insurance: Enter the amount you pay each pay period for health insurance. Use the dropdown to switch between a flat dollar amount ($) or a percent (%) of gross pay.
Dental Coverage: Enter your per-period dental insurance cost.
Vision Insurance: Enter your per-period vision insurance cost.
Pharmacy: Enter your per-period pharmacy plan cost, if any.
Health Care FSA: Enter the amount you put into a health care flexible spending account each pay period.
Dependent Care FSA: Enter the amount you put into a dependent care flexible spending account each pay period.
HSA: Enter the amount you put into a health savings account each pay period.
401(k): Enter your traditional 401(k) contribution as a dollar amount or percent of gross pay.
403(b): Enter your 403(b) contribution, if any. This is common for school and nonprofit workers.
457(b) Deferred Comp: Enter your 457(b) deferred compensation contribution, if any. This is common for state and local government workers.
SRA (Supplemental Retirement Annuity): Enter your supplemental retirement annuity contribution, if any.
Term Life Insurance: Enter the pre-tax amount you pay for employer-sponsored term life insurance.
Long Term Disability Insurance: Enter the pre-tax amount you pay for long term disability coverage.
Commuter / Parking Plan: Enter the pre-tax amount you set aside for commuter or parking benefits.
Other Pre-Tax Deduction: Enter any other pre-tax deduction not listed above. You can type a custom label for it.
Retirement Contribution: Select a percentage of your regular pay for the Maryland state retirement system, or choose "Fixed Dollar Amount" and type in a specific number. Choose "None" if this does not apply to you.
Post-Tax Deductions
Roth 401(k): Enter the amount you contribute to a Roth 401(k) each pay period. This comes out after taxes.
Roth 457(b): Enter the amount you contribute to a Roth 457(b) each pay period.
MD Charity Campaign: Enter any per-period donation to the Maryland Charity Campaign.
State Employee Credit Union: Enter any per-period amount sent to the State Employee Credit Union.
Add Post-Tax Deduction: Click this button to add extra post-tax items like child support, wage garnishments, tax liens, or other after-tax costs. You can add up to six rows.
Tax Exemptions
Tax Exemptions: Click to expand this section. Check any box if you are legally exempt from that specific tax. Most workers should leave all boxes unchecked. Only mark a box if your employer or a tax form confirms you are exempt.
Results
Per Period / Annual Toggle: Use the buttons above the take-home pay amount to switch between seeing results for one pay period or for the full year.
After you fill in your details, click Calculate to see your Maryland take-home pay, a full tax breakdown, a pie chart, a step-by-step solution, and the exact rates used. Click Reset to clear all fields back to their defaults.
How the Maryland Paycheck Calculator Works
This Maryland paycheck calculator shows you how much money you take home after taxes and deductions are removed from your pay. It covers federal income tax, Maryland state income tax, county local tax, Social Security, and Medicare. You enter your salary or hourly wage, pick your county, and fill in your tax filing details. The calculator does the math and shows your net pay per paycheck or per year.
Taxes That Come Out of Your Maryland Paycheck
When you work in Maryland, several taxes are taken out of each paycheck before you get paid. Federal income tax is based on IRS tax brackets and your W-4 form. Maryland state income tax uses a progressive rate system, depending on how much you earn and your filing status. Withholding leaves out the Maryland rates below 4.75% and goes up to the top state rate of 6.50%.1 No Maryland state or county tax is withheld when gross wages for the pay period are under the withholding table amount: $13.70 a day, $96 a week, $192 every two weeks, $208 twice a month, $417 a month, $1,250 a quarter, or $5,000 a year.1 The tables effective January 2025 use the same amounts.5 So do the tables effective January 2024.6 County local tax is charged by every Maryland county and Baltimore City, at rates from 2.25% in Worcester County to 3.30% in Dorchester and Kent counties for 2026.9 You also pay Social Security tax at 6.2% of your wages up to the annual wage base, which is $184,500 for 2026, and Medicare tax at 1.45%, with an extra 0.9% withheld on wages over $200,000 in a calendar year.3 Together, Social Security and Medicare make up your payroll taxes.
Pre-Tax and Post-Tax Deductions
Pre-tax deductions lower your taxable income. These include health insurance, dental and vision coverage, FSA and HSA contributions, and retirement plans like a 401(k) or 403(b). Because they come out before income taxes are calculated, they reduce the income tax you owe. Traditional 401(k), 403(b) and 457(b) contributions still count as wages for Social Security and Medicare tax. Post-tax deductions, such as a Roth 401(k) or wage garnishments, come out after taxes and do not lower your tax bill.
Maryland County Tax Rates
Your county of residence directly affects your Maryland paycheck. Each of Maryland's 23 counties and Baltimore City charges a local income tax on top of the state tax. This calculator includes every county rate so your results match where you actually live.9 If you live in a nonreciprocal state and work in Maryland, withholding uses the special 2.25% nonresident rate instead of a county rate.1 Residents of the District of Columbia, Virginia, West Virginia and Pennsylvania can claim the exemptions on Form MW507 described under Maryland Residency Type above.7
Who Should Use This Calculator
This tool is helpful for Maryland employees who want to understand their paycheck, plan a budget, or check if their withholdings are correct. It works for salaried and hourly workers, supports multiple pay frequencies, and lets you add overtime, bonuses, and extra withholdings. Use it any time your pay, tax situation, or county changes so you always know what to expect on payday.