Maryland Paycheck Calculator: Calculate Your MD Take-Home Pay
Understanding your Maryland take-home pay requires navigating federal, state, and local tax obligations. Our Maryland Paycheck Calculator provides accurate, up-to-date calculations for 2025 tax rates, including Maryland's graduated state income tax system and county-specific local taxes that range from 2.00% to 3.20%.
Whether you are a new resident, changing jobs, or adjusting your withholdings, this calculator helps you estimate your net pay with precision. We account for federal withholdings, FICA taxes (Social Security and Medicare), Maryland state income tax, local county taxes, and common pre-tax deductions like 401(k) contributions, HSA, and FSA.
Understanding Maryland's Tax Structure
Maryland's tax system is unique due to its combination of progressive state income tax rates and mandatory local county taxes. For 2025, Maryland's state income tax operates on a graduated scale ranging from 2.00% to 5.75% across eight tax brackets.
2025 Maryland State Tax Rates
| Taxable Income | Rate | Filing Status |
|---|---|---|
| $0 - $1,000 | 2.00% | All Statuses |
| $1,000 - $2,000 | 3.00% | |
| $2,000 - $3,000 | 4.00% | |
| $3,000+ | 4.75% - 5.75% |
What Your Paycheck Deductions Include
Understanding each deduction on your Maryland paycheck helps you plan your finances more effectively. Here is a breakdown of what is taken out and why:
Real-World Examples
Example 1: Single Professional in Baltimore City
Scenario: Sarah earns $75,000 annually, paid biweekly, living in Baltimore City
- Gross per paycheck: $2,884.62
- Net pay: ~$2,055.39
Common Mistakes
Avoid these common calculation errors:
- Forgetting local county tax (2.00% to 3.20%)
- Not including pre-tax deductions
- Using outdated tax rates
- Confusing gross vs taxable income