Maryland Income Calculator

by

Maryland Income Calculator

Use this calculator to estimate your annual and monthly net income after federal, FICA, Maryland state, and Maryland county taxes. Understanding your take-home pay is crucial for budgeting and financial planning in Maryland.


Single Married Filing Jointly Married Filing Separately Head of Household Qualifying Widow(er)


Anne Arundel County (2.81%) Baltimore County (3.20%) Baltimore City (3.20%) Carroll County (3.03%) Frederick County (3.00%) Harford County (3.06%) Howard County (3.20%) Montgomery County (3.20%) Prince George's County (3.20%) St. Mary's County (3.00%) Wicomico County (3.20%) Other Maryland County (Default 3.20%)

Estimated Annual Income Breakdown

Gross Annual Income:

Federal Income Tax:

FICA Taxes (Social Security & Medicare):

Maryland State Income Tax:

Maryland County Income Tax:

Total Annual Taxes:

Net Annual Income:

Estimated Monthly Income Breakdown

Gross Monthly Income:

Net Monthly Income:

function calculateMarylandIncome() { var grossAnnualIncome = parseFloat(document.getElementById('grossAnnualIncome').value); var filingStatus = document.getElementById('filingStatus').value; var numDependents = parseInt(document.getElementById('numDependents').value); var preTaxDeductions = parseFloat(document.getElementById('preTaxDeductions').value); var countyOfResidence = document.getElementById('countyOfResidence').value; if (isNaN(grossAnnualIncome) || grossAnnualIncome < 0) { alert("Please enter a valid Gross Annual Income."); return; } if (isNaN(numDependents) || numDependents < 0) { alert("Please enter a valid number of dependents."); return; } if (isNaN(preTaxDeductions) || preTaxDeductions grossAnnualIncome) { preTaxDeductions = grossAnnualIncome; } // — Federal Income Tax Calculation (2023 Rates) — var federalStandardDeduction; switch (filingStatus) { case 'single': case 'marriedSeparately': federalStandardDeduction = 13850; break; case 'marriedJointly': case 'qualifyingWidow': federalStandardDeduction = 27700; break; case 'headOfHousehold': federalStandardDeduction = 20800; break; default: federalStandardDeduction = 13850; // Default to single } var federalTaxableIncome = grossAnnualIncome – preTaxDeductions – federalStandardDeduction; if (federalTaxableIncome < 0) federalTaxableIncome = 0; var federalTax = 0; var federalBrackets; switch (filingStatus) { case 'single': case 'marriedSeparately': federalBrackets = [ { rate: 0.10, limit: 11000 }, { rate: 0.12, limit: 44725 }, { rate: 0.22, limit: 95375 }, { rate: 0.24, limit: 182100 }, { rate: 0.32, limit: 231250 }, { rate: 0.35, limit: 578125 }, { rate: 0.37, limit: Infinity } ]; break; case 'marriedJointly': case 'qualifyingWidow': federalBrackets = [ { rate: 0.10, limit: 22000 }, { rate: 0.12, limit: 89450 }, { rate: 0.22, limit: 190750 }, { rate: 0.24, limit: 364200 }, { rate: 0.32, limit: 462500 }, { rate: 0.35, limit: 693750 }, { rate: 0.37, limit: Infinity } ]; break; case 'headOfHousehold': federalBrackets = [ { rate: 0.10, limit: 15700 }, { rate: 0.12, limit: 59850 }, { rate: 0.22, limit: 95350 }, { rate: 0.24, limit: 190750 }, { rate: 0.32, limit: 231250 }, { rate: 0.35, limit: 578100 }, { rate: 0.37, limit: Infinity } ]; break; default: // Should not happen, but for safety federalBrackets = [ { rate: 0.10, limit: 11000 }, { rate: 0.12, limit: 44725 }, { rate: 0.22, limit: 95375 }, { rate: 0.24, limit: 182100 }, { rate: 0.32, limit: 231250 }, { rate: 0.35, limit: 578125 }, { rate: 0.37, limit: Infinity } ]; } var remainingTaxable = federalTaxableIncome; var prevLimit = 0; for (var i = 0; i < federalBrackets.length; i++) { var bracket = federalBrackets[i]; var taxableInBracket = Math.min(remainingTaxable, bracket.limit – prevLimit); federalTax += taxableInBracket * bracket.rate; remainingTaxable -= taxableInBracket; prevLimit = bracket.limit; if (remainingTaxable additionalMedicareThreshold) { ficaTax += (ficaTaxableIncome – additionalMedicareThreshold) * 0.009; } // — Maryland State Income Tax Calculation (2023 Rates) — var mdStandardDeduction; var mdExemptions = 0; var mdExemptionValue = 3200; // Per exemption switch (filingStatus) { case 'single': case 'marriedSeparately': mdStandardDeduction = Math.max(1500, Math.min(grossAnnualIncome * 0.15, 2500)); mdExemptions = 1 + numDependents; break; case 'marriedJointly': case 'qualifyingWidow': mdStandardDeduction = Math.max(1500, Math.min(grossAnnualIncome * 0.15, 5000)); mdExemptions = 2 + numDependents; break; case 'headOfHousehold': mdStandardDeduction = Math.max(1500, Math.min(grossAnnualIncome * 0.15, 5000)); mdExemptions = 1 + numDependents; break; default: mdStandardDeduction = Math.max(1500, Math.min(grossAnnualIncome * 0.15, 2500)); mdExemptions = 1 + numDependents; } var mdTaxableIncome = grossAnnualIncome – preTaxDeductions – mdStandardDeduction – (mdExemptions * mdExemptionValue); if (mdTaxableIncome < 0) mdTaxableIncome = 0; var mdStateTax = 0; var mdBrackets = [ { rate: 0.0200, limit: 1000 }, { rate: 0.0300, limit: 2000 }, { rate: 0.0400, limit: 3000 }, { rate: 0.0475, limit: 100000 }, { rate: 0.0500, limit: 125000 }, { rate: 0.0525, limit: 150000 }, { rate: 0.0550, limit: 250000 }, { rate: 0.0575, limit: Infinity } ]; var remainingMDTaxable = mdTaxableIncome; var mdPrevLimit = 0; for (var j = 0; j < mdBrackets.length; j++) { var bracket = mdBrackets[j]; var taxableInBracket = Math.min(remainingMDTaxable, bracket.limit – mdPrevLimit); mdStateTax += taxableInBracket * bracket.rate; remainingMDTaxable -= taxableInBracket; mdPrevLimit = bracket.limit; if (remainingMDTaxable <= 0) break; } // — Maryland County Income Tax Calculation (2023 Rates) — var countyTaxRate; switch (countyOfResidence) { case 'anneArundel': countyTaxRate = 0.0281; break; case 'baltimoreCounty': countyTaxRate = 0.0320; break; case 'baltimoreCity': countyTaxRate = 0.0320; break; case 'carroll': countyTaxRate = 0.0303; break; case 'frederick': countyTaxRate = 0.0300; break; case 'harford': countyTaxRate = 0.0306; break; case 'howard': countyTaxRate = 0.0320; break; case 'montgomery': countyTaxRate = 0.0320; break; case 'princeGeorges': countyTaxRate = 0.0320; break; case 'stMarys': countyTaxRate = 0.0300; break; case 'wicomico': countyTaxRate = 0.0320; break; case 'other': countyTaxRate = 0.0320; break; // Default for other counties default: countyTaxRate = 0.0320; // Fallback } var mdCountyTax = mdTaxableIncome * countyTaxRate; // County tax is applied to MD taxable income // — Total Calculations — var totalAnnualTaxes = federalTax + ficaTax + mdStateTax + mdCountyTax; var netAnnualIncome = grossAnnualIncome – totalAnnualTaxes; var grossMonthlyIncome = grossAnnualIncome / 12; var netMonthlyIncome = netAnnualIncome / 12; // — Display Results — document.getElementById('resultGrossAnnualIncome').innerText = '$' + grossAnnualIncome.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); document.getElementById('resultFederalTax').innerText = '$' + federalTax.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); document.getElementById('resultFICATax').innerText = '$' + ficaTax.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); document.getElementById('resultMDStateTax').innerText = '$' + mdStateTax.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); document.getElementById('resultMDCountyTax').innerText = '$' + mdCountyTax.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); document.getElementById('resultTotalAnnualTaxes').innerText = '$' + totalAnnualTaxes.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); document.getElementById('resultNetAnnualIncome').innerText = '$' + netAnnualIncome.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); document.getElementById('resultGrossMonthlyIncome').innerText = '$' + grossMonthlyIncome.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); document.getElementById('resultNetMonthlyIncome').innerText = '$' + netMonthlyIncome.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); } // Run calculation on page load with default values window.onload = calculateMarylandIncome; .maryland-income-calculator { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; background-color: #f9f9f9; padding: 25px; border-radius: 10px; box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1); max-width: 700px; margin: 20px auto; border: 1px solid #e0e0e0; } .maryland-income-calculator h2 { color: #2c3e50; text-align: center; margin-bottom: 20px; font-size: 28px; } .maryland-income-calculator p { color: #34495e; line-height: 1.6; margin-bottom: 10px; } .calculator-form label { display: block; margin-bottom: 8px; font-weight: bold; color: #34495e; font-size: 15px; } .calculator-form input[type="number"], .calculator-form select { width: calc(100% – 22px); padding: 12px; margin-bottom: 15px; border: 1px solid #ccc; border-radius: 6px; font-size: 16px; box-sizing: border-box; background-color: #fff; } .calculator-form input[type="number"]:focus, .calculator-form select:focus { border-color: #007bff; outline: none; box-shadow: 0 0 0 3px rgba(0, 123, 255, 0.25); } .calculator-form button { background-color: #007bff; color: white; padding: 14px 25px; border: none; border-radius: 6px; cursor: pointer; font-size: 18px; display: block; width: 100%; margin-top: 20px; transition: background-color 0.3s ease, transform 0.2s ease; } .calculator-form button:hover { background-color: #0056b3; transform: translateY(-2px); } .calculator-results { background-color: #e9f7ef; border: 1px solid #d4edda; border-radius: 8px; padding: 20px; margin-top: 30px; } .calculator-results h3 { color: #28a745; margin-top: 0; margin-bottom: 15px; font-size: 22px; border-bottom: 2px solid #28a745; padding-bottom: 10px; } .calculator-results p { font-size: 16px; margin-bottom: 8px; display: flex; justify-content: space-between; align-items: center; color: #333; } .calculator-results p strong { color: #000; font-size: 18px; } .calculator-results span { font-weight: 600; color: #0056b3; } .calculator-results p:last-of-type { margin-bottom: 0; }

Understanding Your Maryland Take-Home Pay

Navigating the complexities of income taxes can be challenging, especially when considering federal, state, and local levies. Our Maryland Income Calculator is designed to provide a clear estimate of your net income, helping you understand how various taxes impact your gross earnings.

What Taxes Are Included?

When you earn income in Maryland, several layers of taxation apply:

  • Federal Income Tax: This is a progressive tax levied by the U.S. government. The amount you pay depends on your gross income, filing status (e.g., Single, Married Filing Jointly), and deductions (like the standard deduction or itemized deductions). Our calculator uses the standard deduction for simplicity.
  • FICA Taxes (Social Security & Medicare): These are federal payroll taxes that fund Social Security and Medicare programs. Social Security tax is 6.2% on earnings up to an annual limit (e.g., $160,200 for 2023), while Medicare tax is 1.45% on all earned income. High earners may also pay an additional 0.9% Medicare tax.
  • Maryland State Income Tax: Maryland imposes its own progressive income tax. Similar to federal tax, the rate depends on your taxable income, filing status, and exemptions. Maryland also offers a standard deduction and personal exemptions that reduce your taxable income.
  • Maryland County Income Tax: Unique to Maryland, most counties (and Baltimore City) levy their own income tax, which is a percentage of your Maryland taxable income. These rates vary by county, typically ranging from 2.25% to 3.20%. Our calculator includes a selection of common county rates.

How Filing Status and Dependents Affect Your Taxes

Your filing status is a critical factor in determining your tax liability. Options like "Single," "Married Filing Jointly," "Head of Household," "Married Filing Separately," and "Qualifying Widow(er)" each have different standard deduction amounts and tax bracket thresholds. Generally, married couples filing jointly and heads of household benefit from larger standard deductions and wider tax brackets compared to single filers.

The number of dependents you claim also plays a role. For federal taxes, dependents can qualify you for various credits (though not directly calculated here for simplicity). For Maryland state taxes, each exemption (including yourself, your spouse, and dependents) reduces your taxable income by a set amount, leading to a lower overall tax bill.

Pre-Tax Deductions

Pre-tax deductions, such as contributions to a 401(k) or health savings account (HSA), or certain health insurance premiums, reduce your taxable income before federal and state income taxes are calculated. This means you pay less tax on a smaller portion of your gross income, effectively lowering your overall tax burden. Our calculator allows you to input these deductions to see their impact.

Example Scenario:

Let's consider an individual with a gross annual income of $75,000, filing as 'Single' with no dependents, and contributing $5,000 annually to a 401(k) (pre-tax deduction). If they reside in Anne Arundel County:

  • Gross Annual Income: $75,000.00
  • Federal Income Tax: Approximately $8,400.00 (after standard deduction and pre-tax deductions)
  • FICA Taxes: Approximately $5,362.50 (Social Security and Medicare)
  • Maryland State Income Tax: Approximately $2,900.00 (after standard deduction, exemptions, and pre-tax deductions)
  • Anne Arundel County Income Tax: Approximately $1,800.00 (2.81% of MD taxable income)
  • Total Annual Taxes: Approximately $18,462.50
  • Net Annual Income: Approximately $56,537.50
  • Net Monthly Income: Approximately $4,711.46

This example demonstrates how various taxes combine to reduce your gross income to your final take-home pay. Use the calculator above with your specific details to get a personalized estimate.

Leave a Comment