Massachusetts Paycheck Calculator (2026)

Estimate your Massachusetts take-home pay after federal income tax, Social Security, Medicare and Massachusetts state tax.

Annual salary ($)Pay frequencyFiling status401(k) contribution (% of salary)

Take-home pay per paycheck

Gross pay

401(k)

Federal income tax

Social Security

Medicare

State income tax

Take-home pay per year

Massachusetts income tax in 2026

Massachusetts taxes wages at a flat 5%. A 4% surtax applies only to taxable income above about $1.1 million, which most workers never reach.

Massachusetts uses personal exemptions instead of a standard deduction: $4,400 for single filers and $8,800 for married filing jointly. Pre-tax 401(k) contributions are excluded from Massachusetts income. There is no local income tax.

Example take-home pay in Massachusetts

Single filer, no 401(k), paid every 2 weeks:

$40,000 per year$1,252 every 2 weeks

$60,000 per year$1,831 every 2 weeks

$80,000 per year$2,359 every 2 weeks

$100,000 per year$2,862 every 2 weeks

Massachusetts income tax brackets for 2026

These are the rates applied to your Massachusetts taxable income, which is your pay after the deductions and exemptions described above.

Single filers	Rate	Married filing jointly	Rate
Over $0	5%	Over $0	5%

Massachusetts take-home pay at different salaries

Estimated yearly figures for a single filer with no 401(k), using the same rules as the calculator above.

Salary	Federal tax	Social Security + Medicare	Massachusetts taxes	Take-home / year	Every 2 weeks	Total tax rate
$30,000	$1,420	$2,295	$1,280	$25,005	$962	16.7%
$50,000	$3,820	$3,825	$2,280	$40,075	$1,541	19.9%
$75,000	$7,670	$5,738	$3,530	$58,063	$2,233	22.6%
$100,000	$13,170	$7,650	$4,780	$74,400	$2,862	25.6%
$150,000	$24,734	$11,475	$7,280	$106,511	$4,097	29%

How to keep more of your paycheck in Massachusetts

On a $60,000 salary, putting 5% ($3,000) into a traditional 401(k) reduces your yearly take-home pay by about $2,490 (roughly $96 less every 2 weeks). That is less than the full $3,000 because the contribution saves about $360 in federal income tax and about $150 in Massachusetts tax. The tax you avoid stays in your pocket instead of going to the government.

Filing status also matters. A married couple filing jointly with one $60,000 income takes home about $50,010 a year in Massachusetts, compared with $47,610 for a single filer, mostly because of the larger standard deduction and wider tax brackets.

How this calculator works

We subtract your 401(k) contribution and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly), then apply the 2026 federal brackets (IRS Rev. Proc. 2025-32). Social Security is 6.2% up to $184,500 of pay, and Medicare is 1.45% (plus 0.9% on high pay). The Massachusetts Paid Family and Medical Leave deduction is not included in this estimate.

Massachusetts paycheck questions

What is the Massachusetts income tax rate?

5% on most income, including wages. Short-term capital gains are taxed at 8.5%, and a 4% surtax applies above roughly $1.1 million.

Is there a standard deduction in Massachusetts?

No. Massachusetts gives a personal exemption of $4,400 for single filers and $8,800 for joint filers.

Do 401(k) contributions reduce Massachusetts tax?

Yes. Traditional 401(k) elective deferrals are excluded from Massachusetts gross income, to the same extent as for federal tax.

Rates last updated: October 2026. This is an estimate and does not include credits, benefits or W-4 changes. Official source: Massachusetts Department of Revenue.

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