New

Maryland Paycheck Calculator

Estimate your Maryland take-home pay — federal tax, FICA, graduated state tax with MW507 exemptions, and county local income tax.

Your Pay Details

Fills the county local tax rate below. Anne Arundel and Frederick rates depend on your income — the rate updates when you change salary or exemptions.

Total gross pay before any deductions.

Pre-tax deductions

Pre-tax retirement contributions — capped at $24,500 per year.

Your share of employer plan premiums, paid pre-tax.

Maryland county local income tax

Maryland counties and Baltimore City levy a local income tax on the same Maryland taxable wages as state withholding — not on the state tax itself. Pick your county above to fill the rate, or type the percentage from your pay stub. Anne Arundel and Frederick use income-tier rates; this calculator applies the tier for your current wages.

Montgomery, Howard, and Baltimore City are 3.20%. Worcester is 2.25%. Cecil is 2.74%.

Maryland local tax is a percentage of wages, not a flat dollar amount. Leave at 0.

Maryland Comptroller — 2026 local income tax withholding rates

Advanced optionsOvertime, tips, Roth, and special tax situations

Exempt from federal income tax up to $25,000 under OBBBA — but fully taxable on your state return.

After-tax — reduces take-home pay but not your taxes.

Results update automatically as you type — nothing is submitted or stored.

Your Estimated Take-Home

Net pay per bi-weekly paycheck

$2,152

$55,953 per year ·25.4% of gross withheld

Gross

$2,885

Federal tax

$295

10.2% effective

FICA

$221

Maryland tax

$129

4.5% effective

Maryland local taxes

$88

$88 earned income·$0 flat·3.20% effective

  • Federal income tax$7,670
  • FICA$5,738
  • MD state tax$3,349
  • Maryland local taxes$2,291
  • Pre-tax deductions$0
  • Take-home pay$55,953
Gross pay$75,000
Federal income tax$7,670
FICA$5,738
MD state tax$3,349
Maryland local taxes$2,291
Pre-tax deductions$0
Take-home pay$55,953

How Maryland paychecks are calculated

Maryland is one of the few states where county tax hits the same paycheck as state tax. Start with gross pay. Pre-tax 401(k), HSA, and health premiums reduce federal AGI — Maryland withholding uses that wage base. Subtract the $3,400 standard deduction allowance and $3,200 for each MW507 exemption. Run the eight state brackets on what's left, then multiply the same Maryland taxable wages by your county rate.

Two workers at the same $75,000 salary in Bethesda and Ocean City can have different take-home pay purely because Worcester County's local rate is 2.25% while Montgomery's is 3.2%. Every figure updates live in your browser.

Maryland county local income tax

Local tax is not a surcharge on state tax — it is a separate percentage of Maryland taxable wages. Baltimore City, Montgomery, Howard, and most central Maryland counties charge 3.20%. Worcester, at 2.25%, is the lowest. Anne Arundel and Frederick use income-tier rates that step up as wages rise. Pick your county in the calculator or enter the rate from your pay stub.

$75,000 single filer, 0 MW507 exemptions — rates from Maryland Comptroller 2026 tables
CountyLocal rateState taxLocal taxTake-home
Montgomery County3.2%$3,349$2,291$55,953
Baltimore City3.2%$3,349$2,291$55,953
Anne Arundel County2.94%$3,349$2,105$56,139
Frederick County2.96%$3,349$2,119$56,125
Worcester County2.25%$3,349$1,611$56,633
Talbot County2.4%$3,349$1,718$56,526

Anne Arundel at 2.94% on $71,600 Maryland taxable wages costs $2,105 in local tax here — less than Montgomery's $2,291 at 3.2%.

Maryland paycheck examples

Every dollar below is computed by the engine above — not typed by hand.

$75,000 salary, Montgomery County (3.20%)

Line itemAmount
Gross pay (annual)$75,000
Federal income tax−$7,670
FICA (Social Security + Medicare)−$5,738
Maryland state income tax−$3,349
Maryland county local tax−$2,291
Take-home (annual)$55,953
Take-home (per Bi-Weekly paycheck)$2,152

$75,000 salary, Worcester County (2.25%)

Line itemAmount
Gross pay (annual)$75,000
Federal income tax−$7,670
FICA (Social Security + Medicare)−$5,738
Maryland state income tax−$3,349
Maryland county local tax−$1,611
Take-home (annual)$56,633
Take-home (per Bi-Weekly paycheck)$2,178

Weekly, bi-weekly, and monthly pay in Maryland

$75,000 single filer, 0 MW507 exemptions, 3.20% local tax
Pay frequencyPaychecks / yrGross per paycheckMD state per paycheckLocal per paycheckNet per paycheck
Weekly52$1,442$64.39$44.06$1,076
Bi-Weekly26$2,885$128.79$88.12$2,152
Semi-Monthly24$3,125$139.52$95.47$2,331
Monthly12$6,250$279.04$190.93$4,663

Related tools

Virginia paycheck calculator Pennsylvania paycheck calculator New Jersey paycheck calculator All salary tools

Estimate only — not tax advice

This calculator models 2026 federal rules, Maryland percentage-method withholding ($3,400 standard deduction + $3,200 per MW507 exemption), and user-supplied county local rates. High-income MW507 worksheet phaseouts, reciprocal nonresident rules, and return-side credits are not fully modelled. Confirm amounts with your employer, the Maryland Comptroller, or a licensed tax professional.

Frequently Asked Questions

How much tax is taken out of a paycheck in Maryland?
Federal income tax, FICA, Maryland state income tax, and county local income tax. On $75,000 as a single filer with zero MW507 exemptions and Montgomery County's 3.20% local rate, this calculator estimates $7,670 federal, $5,738 FICA, $3,349 Maryland state tax, and $2,291 local tax — about $2,152 per bi-weekly check.
What is the Maryland income tax rate?
Eight graduated brackets from 2% through 5.75% for 2026. Most middle-income paychecks sit in the 4.75% bracket on Maryland taxable income above $3,000. Withholding subtracts a $3,400 standard deduction allowance and $3,200 per MW507 exemption before the brackets run.
What is Maryland local income tax?
Every Maryland county and Baltimore City charges a local income tax on wages — typically 2.25% to 3.30% depending on where you live. It uses the same Maryland taxable wage base as state withholding, so a move from Worcester County (2.25%) to Montgomery County (3.20%) costs real money even when your salary stays flat. Enter your county rate or pick it from the dropdown.
What are MW507 exemptions?
Each exemption on Form MW507 removes $3,200 of annual wages from Maryland withholding after the $3,400 standard deduction allowance. One exemption on $75,000 drops state tax from $3,349 to $3,197 here. If you earn more than $100,000 (single) or $150,000 (married), Maryland requires the Personal Exemption Worksheet — not fully modelled in this calculator.
How much is taken out of a $75,000 paycheck in Maryland?
With zero MW507 exemptions and 3.20% Montgomery County local tax, total withholding is $19,047 on $75,000 gross — $55,953 take-home annually, or about $2,152 per bi-weekly paycheck. Worcester County's 2.25% rate raises take-home to $56,633 on the same salary.
How is a Maryland bi-weekly paycheck calculated?
Annualize gross pay, subtract pre-tax deferrals, apply Maryland's $3,400 standard deduction allowance and your MW507 exemptions, then run state brackets and your county local rate on that same base. Divide annual net by 26 for bi-weekly take-home. On $75,000 with Montgomery County rates, that is about $2,152 per bi-weekly check.
How is a Maryland hourly paycheck calculated?
Annualize first: hourly rate × hours per week × 52. At $25 an hour for 40 hours that is $52,000 gross. With 3.20% local tax, this calculator estimates $4,060 federal, $3,978 FICA, $2,256 Maryland tax, and $1,555 local tax — about $772 per weekly check.
Does a 401(k) lower Maryland state and local tax?
Yes. Maryland withholding wages follow federal AGI, so traditional 401(k), HSA, and qualified health premiums reduce both state and county tax bases. On $75,000 with a $10,000 deferral and zero exemptions, Maryland state tax drops from $3,349 to $2,874 and local tax from $2,291 to $1,971.
Is this Maryland paycheck calculator the same as ADP or SmartAsset?
No affiliation. This tool uses Maryland Comptroller 2026 withholding rules and user-supplied county rates embedded in the page. Use it to understand your breakdown; confirm amounts with your employer or a licensed tax professional.

verifiedOfficial Sources

⚠️ Disclaimer

This calculator provides estimates only. For personal financial advice, consult a licensed professional. Actual results may vary based on individual circumstances and current market conditions.