Paycheck Calculator Maryland

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Maryland Take-Home Pay Calculator

Weekly Bi-weekly Semi-monthly Monthly
Single Married Filing Jointly
Baltimore City (3.20%) Anne Arundel (2.81%) Baltimore County (3.20%) Frederick (3.10%) Howard (3.20%) Montgomery (3.20%) Prince George's (3.00%) Worcester (2.25%) Other (3.00% Avg)
Gross Pay (Per Period):
Federal Income Tax:
Social Security (6.2%):
Medicare (1.45%):
Maryland State Tax:
Local/County Tax:
Net Take-Home Pay:

How Your Maryland Paycheck is Calculated

Calculating take-home pay in Maryland is more complex than in many other states due to the combination of progressive state income taxes and mandatory local (county or city) income taxes. Here is a breakdown of the deductions you will see on your Maryland pay stub:

1. Federal Deductions (FICA)

Every employee in Maryland contributes to Federal Insurance Contributions Act (FICA) taxes. This consists of 6.2% for Social Security (up to the annual wage base limit) and 1.45% for Medicare. Employers match these contributions.

2. Maryland State Income Tax

Maryland uses a progressive tax system. For most residents, the rates range from 2% on the first $1,000 of taxable income up to 5.75% for income over $250,000 (for single filers) or $300,000 (for joint filers). Our calculator applies these brackets to estimate your annual state liability and divides it by your pay frequency.

3. Maryland Local (County) Tax

This is where Maryland differs from most states. Every county in Maryland, plus Baltimore City, levies a local income tax. These rates currently range from 2.25% to 3.20%. This tax is calculated based on your Maryland taxable net income and is withheld automatically by your employer.

Example Calculation

If you live in Baltimore City and earn an annual salary of $70,000, filing as Single:

  • Gross Bi-weekly Pay: $2,692.31
  • FICA Withholding: ~$205.96
  • Federal Tax: ~$285.40 (Estimated)
  • MD State Tax: ~$121.50
  • MD Local Tax (3.2%): ~$86.15
  • Estimated Net Pay: ~$1,993.30

Note: This calculator provides an estimate for educational purposes based on standard 2024 tax tables. Actual take-home pay may vary based on pre-tax deductions like 401(k) contributions, health insurance premiums, and specific tax credits.

function calculateMarylandPay() { var annualGross = parseFloat(document.getElementById("grossSalary").value); var frequency = parseFloat(document.getElementById("payFrequency").value); var status = document.getElementById("filingStatus").value; var localRate = parseFloat(document.getElementById("mdCounty").value); if (isNaN(annualGross) || annualGross 168600) ssTax = 168600 * 0.062; // 2024 Cap var medTax = annualGross * 0.0145; // 2. Simplified Federal Tax (2024 Standard Deduction) var stdDeduction = (status === 'single') ? 14600 : 29200; var taxableFed = Math.max(0, annualGross – stdDeduction); var fedTax = 0; if (status === 'single') { if (taxableFed > 609350) fedTax = 183647 + (taxableFed – 609350) * 0.37; else if (taxableFed > 243725) fedTax = 56079 + (taxableFed – 243725) * 0.35; else if (taxableFed > 191950) fedTax = 38389 + (taxableFed – 191950) * 0.32; else if (taxableFed > 100525) fedTax = 16446 + (taxableFed – 100525) * 0.24; else if (taxableFed > 47150) fedTax = 5444 + (taxableFed – 47150) * 0.22; else if (taxableFed > 11600) fedTax = 1160 + (taxableFed – 11600) * 0.12; else fedTax = taxableFed * 0.10; } else { if (taxableFed > 731200) fedTax = 186484 + (taxableFed – 731200) * 0.37; else if (taxableFed > 487450) fedTax = 101171 + (taxableFed – 487450) * 0.35; else if (taxableFed > 383900) fedTax = 68035 + (taxableFed – 383900) * 0.32; else if (taxableFed > 201050) fedTax = 34151 + (taxableFed – 201050) * 0.24; else if (taxableFed > 94300) fedTax = 10889 + (taxableFed – 94300) * 0.22; else if (taxableFed > 23200) fedTax = 2320 + (taxableFed – 23200) * 0.12; else fedTax = taxableFed * 0.10; } // 3. Maryland State Tax (Progressive) var taxableState = Math.max(0, annualGross – (status === 'single' ? 3200 : 6400)); // Basic MD exemptions var stateTax = 0; if (taxableState > 250000) stateTax = 12187 + (taxableState – 250000) * 0.0575; else if (taxableState > 150000) stateTax = 7187 + (taxableState – 150000) * 0.055; else if (taxableState > 125000) stateTax = 5875 + (taxableState – 125000) * 0.0525; else if (taxableState > 100000) stateTax = 4625 + (taxableState – 100000) * 0.05; else if (taxableState > 3000) stateTax = 90 + (taxableState – 3000) * 0.0475; else if (taxableState > 2000) stateTax = 50 + (taxableState – 2000) * 0.04; else if (taxableState > 1000) stateTax = 20 + (taxableState – 1000) * 0.03; else stateTax = taxableState * 0.02; // 4. Maryland Local Tax var localTax = taxableState * localRate; // Period Calculations var periodFed = fedTax / frequency; var periodSS = ssTax / frequency; var periodMed = medTax / frequency; var periodState = stateTax / frequency; var periodLocal = localTax / frequency; var periodNet = grossPerPeriod – (periodFed + periodSS + periodMed + periodState + periodLocal); // Display Results document.getElementById("resGross").innerText = "$" + grossPerPeriod.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resFed").innerText = "- $" + periodFed.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resSS").innerText = "- $" + periodSS.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resMed").innerText = "- $" + periodMed.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resState").innerText = "- $" + periodState.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resLocal").innerText = "- $" + periodLocal.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resNet").innerText = "$" + periodNet.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("results").style.display = "block"; }

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