Maryland Pay Calculator

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Maryland Paycheck Calculator

Estimate your net pay in Maryland after federal, state, local taxes, and common deductions for the 2024 tax year.

Weekly Bi-weekly Semi-monthly Monthly Annually Single Married Filing Jointly Head of Household Single Married Filing Jointly Head of Household Baltimore City (3.20%) Anne Arundel County (2.81%) Carroll County (3.03%) Frederick County (2.92%) Harford County (3.06%) Howard County (3.20%) Montgomery County (3.20%) Prince George's County (3.20%) Allegany County (2.25%) Calvert County (2.65%) Caroline County (2.65%) Cecil County (2.65%) Charles County (2.65%) Dorchester County (2.65%) Garrett County (2.65%) Kent County (2.65%) Queen Anne's County (2.65%) St. Mary's County (2.65%) Somerset County (2.65%) Talbot County (2.65%) Washington County (2.65%) Wicomico County (2.65%) Worcester County (2.65%)

Your Estimated Paycheck (Per Period)

Enter your details and click 'Calculate Net Pay' to see your results.

Understanding Your Maryland Paycheck

Navigating your paycheck can be complex, especially with various federal, state, and local taxes, along with different deductions. This Maryland Paycheck Calculator helps you estimate your take-home pay, providing a clearer picture of your financial situation.

Gross Pay vs. Net Pay

Your Gross Pay is your total earnings before any taxes or deductions are taken out. This is the salary or hourly wage you agree upon with your employer. Net Pay, often referred to as "take-home pay," is the amount you actually receive after all deductions have been subtracted from your gross pay.

Key Deductions Explained

1. Federal Income Tax

This is a progressive tax levied by the U.S. government. The amount withheld depends on your gross income, filing status (Single, Married Filing Jointly, Head of Household), and any pre-tax deductions. The calculator uses 2024 federal tax brackets and standard deductions to estimate this amount.

2. FICA Taxes (Social Security & Medicare)

  • Social Security: Funds benefits for retirees, the disabled, and survivors. For 2024, the rate is 6.2% on earnings up to $168,600.
  • Medicare: Funds hospital insurance for the elderly and disabled. For 2024, the rate is 1.45% on all earnings, with no income limit.

These taxes are mandatory for most employees.

3. Maryland State Income Tax

Maryland imposes its own state income tax, which is also progressive. The amount you pay depends on your gross income, filing status, and the number of exemptions you claim. The calculator uses 2024 Maryland state tax brackets, standard deductions, and exemption values.

4. Maryland Local Income Tax (County/City Tax)

Unique to Maryland, most counties and Baltimore City levy a local income tax. These rates vary by jurisdiction, typically ranging from 2.25% to 3.20%. This calculator allows you to select your county to get an accurate local tax estimate.

5. Pre-tax Deductions

These are deductions taken from your gross pay *before* taxes are calculated. Common examples include contributions to a 401(k) or 403(b) retirement plan, health insurance premiums, and Flexible Spending Accounts (FSAs). Pre-tax deductions reduce your taxable income, thereby lowering your federal and state income tax liability.

6. Post-tax Deductions

These deductions are taken *after* taxes have been calculated. Examples include Roth 401(k) contributions, union dues, charitable contributions, or certain types of insurance premiums. Post-tax deductions do not reduce your taxable income.

How the Calculator Works

The calculator takes your gross annual salary and pay frequency to determine your gross pay per period. It then systematically subtracts estimated federal income tax, FICA taxes, Maryland state income tax, Maryland local income tax, and both pre-tax and post-tax deductions to arrive at your estimated net pay per period.

Example Calculation:

Let's consider a single individual in Howard County, Maryland, earning an annual gross salary of $60,000, paid bi-weekly, with $2,000 in annual pre-tax deductions (e.g., 401k) and $500 in annual post-tax deductions (e.g., union dues), claiming 1 Maryland exemption.

  • Gross Annual Salary: $60,000
  • Pay Frequency: Bi-weekly (26 pay periods)
  • Gross Pay Per Period: $60,000 / 26 = $2,307.69
  • Annual Pre-tax Deductions: $2,000
  • Annual Post-tax Deductions: $500
  • Federal Filing Status: Single
  • Maryland Filing Status: Single
  • Maryland Exemptions: 1
  • Maryland County: Howard County (3.20%)

Based on these inputs, the calculator would perform the following steps (simplified):

  1. Calculate taxable income for Federal, State, and Local taxes after pre-tax deductions and applicable standard deductions/exemptions.
  2. Apply 2024 Federal Income Tax brackets.
  3. Apply 2024 FICA taxes (Social Security & Medicare).
  4. Apply 2024 Maryland State Income Tax brackets.
  5. Apply Howard County's 3.20% local income tax.
  6. Subtract all calculated taxes and both pre-tax and post-tax deductions from the gross pay to determine the net pay per period.

The estimated net pay per period would be displayed in the results section.

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cursor: pointer; font-size: 1.1em; margin-top: 20px; width: 100%; transition: background-color 0.3s ease; } .calculator-inputs button:hover { background-color: #218838; } .calculator-results { background-color: #e9f7ef; border: 1px solid #d4edda; border-radius: 8px; padding: 20px; margin-top: 30px; } .calculator-results h3 { color: #155724; text-align: center; margin-top: 0; margin-bottom: 15px; } .calculator-results #result p { font-size: 1.1em; color: #155724; text-align: center; margin: 5px 0; } .calculator-results #result strong { color: #0c3d1e; } .calculator-article { margin-top: 40px; padding-top: 20px; border-top: 1px solid #eee; } .calculator-article ul { list-style-type: disc; margin-left: 20px; color: #555; } .calculator-article ol { list-style-type: decimal; margin-left: 20px; color: #555; } .calculator-article li { margin-bottom: 8px; } function calculatePay() { // Input values var grossAnnualSalary = parseFloat(document.getElementById("grossAnnualSalary").value); var payFrequencyValue = parseFloat(document.getElementById("payFrequency").value); var federalFilingStatus = document.getElementById("federalFilingStatus").value; var marylandFilingStatus = document.getElementById("marylandFilingStatus").value; var marylandExemptions = parseInt(document.getElementById("marylandExemptions").value); var marylandCountyRate = parseFloat(document.getElementById("marylandCounty").value) / 100; // Convert to decimal var preTaxDeductionsAnnual = parseFloat(document.getElementById("preTaxDeductions").value); var postTaxDeductionsAnnual = parseFloat(document.getElementById("postTaxDeductions").value); // Validate inputs if (isNaN(grossAnnualSalary) || grossAnnualSalary < 0 || isNaN(marylandExemptions) || marylandExemptions < 0 || isNaN(preTaxDeductionsAnnual) || preTaxDeductionsAnnual < 0 || isNaN(postTaxDeductionsAnnual) || postTaxDeductionsAnnual < 0) { document.getElementById("result").innerHTML = "Please enter valid positive numbers for all input fields."; return; } // — Annual Calculations — var annualTaxableIncomeFederal = grossAnnualSalary – preTaxDeductionsAnnual; var annualTaxableIncomeMaryland = grossAnnualSalary – preTaxDeductionsAnnual; // Base for MD tax // Federal Standard Deduction (2024) var federalStandardDeduction; if (federalFilingStatus === "single") { federalStandardDeduction = 14600; } else if (federalFilingStatus === "married") { federalStandardDeduction = 29200; } else if (federalFilingStatus === "hoh") { federalStandardDeduction = 21900; } annualTaxableIncomeFederal = Math.max(0, annualTaxableIncomeFederal – federalStandardDeduction); // Maryland Standard Deduction (2024) var marylandStandardDeduction; if (marylandFilingStatus === "single") { marylandStandardDeduction = Math.min(2500, 0.15 * (grossAnnualSalary – preTaxDeductionsAnnual)); } else if (marylandFilingStatus === "married" || marylandFilingStatus === "hoh") { // MD treats HoH like MFJ for standard deduction marylandStandardDeduction = Math.min(5000, 0.15 * (grossAnnualSalary – preTaxDeductionsAnnual)); } annualTaxableIncomeMaryland = Math.max(0, annualTaxableIncomeMaryland – marylandStandardDeduction – (marylandExemptions * 3200)); // $3200 per exemption for 2024 // — Tax Calculation Functions (2024 Rates) — function calculateFederalTax(taxableIncome, filingStatus) { var tax = 0; if (taxableIncome <= 0) return 0; if (filingStatus === "single") { if (taxableIncome <= 11600) { tax = taxableIncome * 0.10; } else if (taxableIncome <= 47150) { tax = 1160 + (taxableIncome – 11600) * 0.12; } else if (taxableIncome <= 100525) { tax = 5426 + (taxableIncome – 47150) * 0.22; } else if (taxableIncome <= 191950) { tax = 17168.50 + (taxableIncome – 100525) * 0.24; } else if (taxableIncome <= 243725) { tax = 39119.50 + (taxableIncome – 191950) * 0.32; } else if (taxableIncome <= 609350) { tax = 55678.50 + (taxableIncome – 243725) * 0.35; } else { tax = 183647.25 + (taxableIncome – 609350) * 0.37; } } else if (filingStatus === "married") { // Married Filing Jointly if (taxableIncome <= 23200) { tax = taxableIncome * 0.10; } else if (taxableIncome <= 94300) { tax = 2320 + (taxableIncome – 23200) * 0.12; } else if (taxableIncome <= 201050) { tax = 10852 + (taxableIncome – 94300) * 0.22; } else if (taxableIncome <= 383900) { tax = 34337 + (taxableIncome – 201050) * 0.24; } else if (taxableIncome <= 487450) { tax = 78233 + (taxableIncome – 383900) * 0.32; } else if (taxableIncome <= 731200) { tax = 111357 + (taxableIncome – 487450) * 0.35; } else { tax = 195844.50 + (taxableIncome – 731200) * 0.37; } } else if (filingStatus === "hoh") { // Head of Household if (taxableIncome <= 16550) { tax = taxableIncome * 0.10; } else if (taxableIncome <= 63100) { tax = 1655 + (taxableIncome – 16550) * 0.12; } else if (taxableIncome <= 100500) { tax = 7247 + (taxableIncome – 63100) * 0.22; } else if (taxableIncome <= 191950) { tax = 15463 + (taxableIncome – 100500) * 0.24; } else if (taxableIncome <= 243700) { tax = 37103 + (taxableIncome – 191950) * 0.32; } else if (taxableIncome <= 609350) { tax = 53655 + (taxableIncome – 243700) * 0.35; } else { tax = 181642.50 + (taxableIncome – 609350) * 0.37; } } return Math.max(0, tax); } function calculateMarylandStateTax(taxableIncome) { var tax = 0; if (taxableIncome <= 0) return 0; if (taxableIncome <= 1000) { tax = taxableIncome * 0.02; } else if (taxableIncome <= 2000) { tax = 20 + (taxableIncome – 1000) * 0.03; } else if (taxableIncome <= 3000) { tax = 50 + (taxableIncome – 2000) * 0.04; } else if (taxableIncome <= 100000) { tax = 90 + (taxableIncome – 3000) * 0.0475; } else if (taxableIncome <= 125000) { tax = 4702.50 + (taxableIncome – 100000) * 0.05; } else if (taxableIncome <= 150000) { tax = 5952.50 + (taxableIncome – 125000) * 0.0525; } else if (taxableIncome <= 250000) { tax = 7265 + (taxableIncome – 150000) * 0.055; } else { tax = 12765 + (taxableIncome – 250000) * 0.0575; } return Math.max(0, tax); } // Calculate Annual Taxes var annualFederalTax = calculateFederalTax(annualTaxableIncomeFederal, federalFilingStatus); var annualMarylandStateTax = calculateMarylandStateTax(annualTaxableIncomeMaryland); var annualMarylandLocalTax = annualTaxableIncomeMaryland * marylandCountyRate; // Local tax applies to state taxable income // FICA Taxes (Social Security & Medicare) var socialSecurityCap = 168600; // 2024 var annualSocialSecurityTax = Math.min(grossAnnualSalary, socialSecurityCap) * 0.062; var annualMedicareTax = grossAnnualSalary * 0.0145; var annualFicaTax = annualSocialSecurityTax + annualMedicareTax; // Total Annual Deductions var totalAnnualDeductions = annualFederalTax + annualMarylandStateTax + annualMarylandLocalTax + annualFicaTax + preTaxDeductionsAnnual + postTaxDeductionsAnnual; // Annual Net Pay var annualNetPay = grossAnnualSalary – totalAnnualDeductions; // — Per Period Calculations — var grossPayPerPeriod = grossAnnualSalary / payFrequencyValue; var federalTaxPerPeriod = annualFederalTax / payFrequencyValue; var marylandStateTaxPerPeriod = annualMarylandStateTax / payFrequencyValue; var marylandLocalTaxPerPeriod = annualMarylandLocalTax / payFrequencyValue; var ficaTaxPerPeriod = annualFicaTax / payFrequencyValue; var preTaxDeductionsPerPeriod = preTaxDeductionsAnnual / payFrequencyValue; var postTaxDeductionsPerPeriod = postTaxDeductionsAnnual / payFrequencyValue; var netPayPerPeriod = annualNetPay / payFrequencyValue; // Display Results var resultHTML = "

Summary Per Pay Period

"; resultHTML += "Gross Pay: $" + grossPayPerPeriod.toFixed(2) + ""; resultHTML += "Federal Income Tax: $" + federalTaxPerPeriod.toFixed(2) + ""; resultHTML += "FICA Taxes (SS & Medicare): $" + ficaTaxPerPeriod.toFixed(2) + ""; resultHTML += "Maryland State Income Tax: $" + marylandStateTaxPerPeriod.toFixed(2) + ""; resultHTML += "Maryland Local Income Tax: $" + marylandLocalTaxPerPeriod.toFixed(2) + ""; resultHTML += "Pre-tax Deductions: $" + preTaxDeductionsPerPeriod.toFixed(2) + ""; resultHTML += "Post-tax Deductions: $" + postTaxDeductionsPerPeriod.toFixed(2) + ""; resultHTML += "Net Pay: " + "$" + netPayPerPeriod.toFixed(2) + ""; resultHTML += "

Annual Summary

"; resultHTML += "Gross Annual Salary: $" + grossAnnualSalary.toFixed(2) + ""; resultHTML += "Total Annual Federal Tax: $" + annualFederalTax.toFixed(2) + ""; resultHTML += "Total Annual FICA Tax: $" + annualFicaTax.toFixed(2) + ""; resultHTML += "Total Annual MD State Tax: $" + annualMarylandStateTax.toFixed(2) + ""; resultHTML += "Total Annual MD Local Tax: $" + annualMarylandLocalTax.toFixed(2) + ""; resultHTML += "Total Annual Pre-tax Deductions: $" + preTaxDeductionsAnnual.toFixed(2) + ""; resultHTML += "Total Annual Post-tax Deductions: $" + postTaxDeductionsAnnual.toFixed(2) + ""; resultHTML += "Total Annual Net Pay: " + "$" + annualNetPay.toFixed(2) + ""; document.getElementById("result").innerHTML = resultHTML; }

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