Maryland Paycheck Calculator: Understand Your Net Pay
Navigating your paycheck can be complex, especially with federal, state, and local taxes, plus various deductions. Our Maryland Paycheck Calculator helps you estimate your take-home pay, giving you a clearer picture of your earnings after all withholdings.
How Your Maryland Paycheck is Calculated
Your net pay (what you actually take home) is determined by subtracting several items from your gross pay. These typically include:
- 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), and the number of allowances you claim on your W-4 form. This calculator uses 2024 federal tax brackets and standard deductions for estimation.
- FICA Taxes (Social Security & Medicare): These are mandatory federal taxes that fund Social Security and Medicare programs.
- Social Security: 6.2% of your gross wages, up to an annual wage base limit ($168,600 for 2024).
- Medicare: 1.45% of all your gross wages, with no wage base limit. An additional 0.9% Medicare tax applies to wages over certain thresholds ($200,000 for single filers, $250,000 for married filing jointly). This calculator simplifies by not including the additional Medicare tax.
- Maryland State Income Tax: Maryland has a progressive state income tax system. The rates vary based on your taxable income and filing status. Like federal taxes, the amount withheld depends on your gross income, filing status, and the number of allowances you claim on your Maryland W-4. This calculator uses 2024 Maryland state tax brackets and personal exemptions.
- Maryland County Income Tax: Unique to Maryland, most counties levy their own income tax. This is a flat percentage rate on your taxable income, which varies by county. Our calculator includes common county rates for 2024.
- 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 Account (FSA) contributions. These deductions reduce your taxable income, lowering your overall tax liability.
- Post-Tax Deductions: These deductions are taken AFTER taxes have been calculated and withheld. Examples include Roth 401(k) contributions, union dues, or certain charitable contributions.
Using the Maryland Paycheck Calculator
To get an accurate estimate, you'll need to input your gross pay per pay period, select your pay frequency, federal and state filing statuses, the number of allowances you claim, and any pre-tax or post-tax deductions. Don't forget to select your specific Maryland county to account for local taxes.
Your Estimated Paycheck
Enter your details and click "Calculate Net Pay" to see your estimated take-home pay.
function calculatePaycheckMD() {
// Get input values
var grossPayPerPeriod = parseFloat(document.getElementById('grossPay').value);
var payPeriodsPerYear = parseInt(document.getElementById('payFrequency').value);
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var federalAllowances = parseInt(document.getElementById('federalAllowances').value);
var mdFilingStatus = document.getElementById('mdFilingStatus').value;
var mdAllowances = parseInt(document.getElementById('mdAllowances').value);
var mdCountyRate = parseFloat(document.getElementById('mdCounty').value);
var preTaxDeductionsPerPeriod = parseFloat(document.getElementById('preTaxDeductions').value);
var postTaxDeductionsPerPeriod = parseFloat(document.getElementById('postTaxDeductions').value);
// Validate inputs
if (isNaN(grossPayPerPeriod) || grossPayPerPeriod < 0) {
alert("Please enter a valid Gross Pay per Pay Period.");
return;
}
if (isNaN(federalAllowances) || federalAllowances < 0) {
alert("Please enter a valid number for Federal Allowances.");
return;
}
if (isNaN(mdAllowances) || mdAllowances < 0) {
alert("Please enter a valid number for Maryland Allowances.");
return;
}
if (isNaN(preTaxDeductionsPerPeriod) || preTaxDeductionsPerPeriod < 0) {
alert("Please enter a valid amount for Pre-Tax Deductions.");
return;
}
if (isNaN(postTaxDeductionsPerPeriod) || postTaxDeductionsPerPeriod < 0) {
alert("Please enter a valid amount for Post-Tax Deductions.");
return;
}
// Annualize values
var annualGrossPay = grossPayPerPeriod * payPeriodsPerYear;
var annualPreTaxDeductions = preTaxDeductionsPerPeriod * payPeriodsPerYear;
// Taxable Income for Federal and State (after pre-tax deductions)
var federalTaxableIncome = annualGrossPay – annualPreTaxDeductions;
var mdTaxableIncome = annualGrossPay – annualPreTaxDeductions; // MD also taxes after pre-tax deductions
// — Federal Tax Calculation (2024, simplified for withholding) —
var federalTax = 0;
var federalStandardDeduction = (federalFilingStatus === 'single') ? 13850 : 27700; // 2024
var federalAllowanceValue = 4700; // 2024
// Adjusted taxable income for federal tax calculation (simplified)
var federalAdjustedTaxableIncome = federalTaxableIncome – federalStandardDeduction – (federalAllowances * federalAllowanceValue);
if (federalAdjustedTaxableIncome < 0) federalAdjustedTaxableIncome = 0;
// Federal Tax Brackets (2024)
if (federalFilingStatus === 'single') {
if (federalAdjustedTaxableIncome <= 11600) {
federalTax = federalAdjustedTaxableIncome * 0.10;
} else if (federalAdjustedTaxableIncome <= 47150) {
federalTax = 11600 * 0.10 + (federalAdjustedTaxableIncome – 11600) * 0.12;
} else if (federalAdjustedTaxableIncome <= 100525) {
federalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (federalAdjustedTaxableIncome – 47150) * 0.22;
} else if (federalAdjustedTaxableIncome <= 191950) {
federalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (federalAdjustedTaxableIncome – 100525) * 0.24;
} else if (federalAdjustedTaxableIncome <= 243725) {
federalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (191950 – 100525) * 0.24 + (federalAdjustedTaxableIncome – 191950) * 0.32;
} else if (federalAdjustedTaxableIncome <= 609350) {
federalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (191950 – 100525) * 0.24 + (243725 – 191950) * 0.32 + (federalAdjustedTaxableIncome – 243725) * 0.35;
} else {
federalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (191950 – 100525) * 0.24 + (243725 – 191950) * 0.32 + (609350 – 243725) * 0.35 + (federalAdjustedTaxableIncome – 609350) * 0.37;
}
} else { // Married Filing Jointly
if (federalAdjustedTaxableIncome <= 23200) {
federalTax = federalAdjustedTaxableIncome * 0.10;
} else if (federalAdjustedTaxableIncome <= 94300) {
federalTax = 23200 * 0.10 + (federalAdjustedTaxableIncome – 23200) * 0.12;
} else if (federalAdjustedTaxableIncome <= 201050) {
federalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (federalAdjustedTaxableIncome – 94300) * 0.22;
} else if (federalAdjustedTaxableIncome <= 383900) {
federalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (federalAdjustedTaxableIncome – 201050) * 0.24;
} else if (federalAdjustedTaxableIncome <= 487450) {
federalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (383900 – 201050) * 0.24 + (federalAdjustedTaxableIncome – 383900) * 0.32;
} else if (federalAdjustedTaxableIncome <= 731200) {
federalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (383900 – 201050) * 0.24 + (487450 – 383900) * 0.32 + (federalAdjustedTaxableIncome – 487450) * 0.35;
} else {
federalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (383900 – 201050) * 0.24 + (487450 – 383900) * 0.32 + (731200 – 487450) * 0.35 + (federalAdjustedTaxableIncome – 731200) * 0.37;
}
}
var federalTaxPerPeriod = federalTax / payPeriodsPerYear;
// — FICA Taxes (Social Security & Medicare) —
var socialSecurityTaxRate = 0.062;
var socialSecurityWageBase = 168600; // 2024
var medicareTaxRate = 0.0145;
var annualSocialSecurityTax = Math.min(annualGrossPay, socialSecurityWageBase) * socialSecurityTaxRate;
var annualMedicareTax = annualGrossPay * medicareTaxRate;
var socialSecurityTaxPerPeriod = annualSocialSecurityTax / payPeriodsPerYear;
var medicareTaxPerPeriod = annualMedicareTax / payPeriodsPerYear;
// — Maryland State Income Tax Calculation (2024) —
var mdStateTax = 0;
var mdPersonalExemption = 3200; // 2024 per allowance
// Adjusted taxable income for MD state tax calculation
var mdAdjustedTaxableIncome = mdTaxableIncome – (mdAllowances * mdPersonalExemption);
if (mdAdjustedTaxableIncome < 0) mdAdjustedTaxableIncome = 0;
// Maryland State Tax Brackets (2024)
if (mdAdjustedTaxableIncome <= 1000) {
mdStateTax = mdAdjustedTaxableIncome * 0; // 0%
} else if (mdAdjustedTaxableIncome <= 2000) {
mdStateTax = 1000 * 0 + (mdAdjustedTaxableIncome – 1000) * 0.02;
} else if (mdAdjustedTaxableIncome <= 3000) {
mdStateTax = 1000 * 0 + 1000 * 0.02 + (mdAdjustedTaxableIncome – 2000) * 0.04;
} else if (mdAdjustedTaxableIncome <= 100000) {
mdStateTax = (1000 * 0) + (1000 * 0.02) + (1000 * 0.04) + (mdAdjustedTaxableIncome – 3000) * 0.0475;
} else if (mdAdjustedTaxableIncome <= 125000) {
mdStateTax = (1000 * 0) + (1000 * 0.02) + (1000 * 0.04) + (97000 * 0.0475) + (mdAdjustedTaxableIncome – 100000) * 0.05;
} else if (mdAdjustedTaxableIncome <= 150000) {
mdStateTax = (1000 * 0) + (1000 * 0.02) + (1000 * 0.04) + (97000 * 0.0475) + (25000 * 0.05) + (mdAdjustedTaxableIncome – 125000) * 0.0525;
} else if (mdAdjustedTaxableIncome <= 250000) {
mdStateTax = (1000 * 0) + (1000 * 0.02) + (1000 * 0.04) + (97000 * 0.0475) + (25000 * 0.05) + (25000 * 0.0525) + (mdAdjustedTaxableIncome – 150000) * 0.055;
} else { // This 'else' handles everything above $250,000
var baseTaxUpTo250k = (1000 * 0) + (1000 * 0.02) + (1000 * 0.04) + (97000 * 0.0475) + (25000 * 0.05) + (25000 * 0.0525) + (100000 * 0.055);
var thresholdFor5_75_Single = 250000;
var thresholdFor5_75_Married = 300000;
var thresholdFor6 = 500000;
if (mdFilingStatus === 'single') {
if (mdAdjustedTaxableIncome <= thresholdFor6) { // Between $250k and $500k for single
mdStateTax = baseTaxUpTo250k + (mdAdjustedTaxableIncome – thresholdFor5_75_Single) * 0.0575;
} else { // Over $500k for single
mdStateTax = baseTaxUpTo250k + (thresholdFor6 – thresholdFor5_75_Single) * 0.0575 + (mdAdjustedTaxableIncome – thresholdFor6) * 0.06;
}
} else { // Married Filing Jointly
var baseTaxUpTo300k = (1000 * 0) + (1000 * 0.02) + (1000 * 0.04) + (97000 * 0.0475) + (25000 * 0.05) + (25000 * 0.0525) + (150000 * 0.055); // Tax up to $300,000
if (mdAdjustedTaxableIncome <= thresholdFor6) { // Between $300k and $500k for married
mdStateTax = baseTaxUpTo300k + (mdAdjustedTaxableIncome – thresholdFor5_75_Married) * 0.0575;
} else { // Over $500k for married
mdStateTax = baseTaxUpTo300k + (thresholdFor6 – thresholdFor5_75_Married) * 0.0575 + (mdAdjustedTaxableIncome – thresholdFor6) * 0.06;
}
}
}
var mdStateTaxPerPeriod = mdStateTax / payPeriodsPerYear;
// — Maryland County Income Tax Calculation —
var mdCountyTax = 0;
// MD County tax is applied to the MD taxable income after exemptions.
mdCountyTax = mdAdjustedTaxableIncome * mdCountyRate;
var mdCountyTaxPerPeriod = mdCountyTax / payPeriodsPerYear;
// — Total Deductions —
var totalTaxDeductionsPerPeriod = federalTaxPerPeriod + socialSecurityTaxPerPeriod + medicareTaxPerPeriod + mdStateTaxPerPeriod + mdCountyTaxPerPeriod;
var totalDeductionsPerPeriod = totalTaxDeductionsPerPeriod + preTaxDeductionsPerPeriod + postTaxDeductionsPerPeriod;
// — Net Pay —
var netPayPerPeriod = grossPayPerPeriod – totalDeductionsPerPeriod;
// Display results
var resultDiv = document.getElementById('result');
resultDiv.innerHTML = `
Summary per Pay Period:
Gross Pay: $${grossPayPerPeriod.toFixed(2)}
Pre-Tax Deductions: $${preTaxDeductionsPerPeriod.toFixed(2)}
Federal Income Tax: $${federalTaxPerPeriod.toFixed(2)}
Social Security Tax: $${socialSecurityTaxPerPeriod.toFixed(2)}
Medicare Tax: $${medicareTaxPerPeriod.toFixed(2)}
Maryland State Tax: $${mdStateTaxPerPeriod.toFixed(2)}
Maryland County Tax: $${mdCountyTaxPerPeriod.toFixed(2)}
Post-Tax Deductions: $${postTaxDeductionsPerPeriod.toFixed(2)}
Total Deductions: $${totalDeductionsPerPeriod.toFixed(2)}
Net Pay: $${netPayPerPeriod.toFixed(2)}
`;
}
.calculator-container {
display: flex;
flex-wrap: wrap;
gap: 20px;
margin-top: 20px;
padding: 20px;
border: 1px solid #ddd;
border-radius: 8px;
background-color: #f9f9f9;
}
.calculator-form, .calculator-results {
flex: 1;
min-width: 300px;
}
.calculator-form label {
display: block;
margin-bottom: 5px;
font-weight: bold;
}
.calculator-form input[type="number"],
.calculator-form select {
width: calc(100% – 12px);
padding: 8px;
margin-bottom: 15px;
border: 1px solid #ccc;
border-radius: 4px;
}
.calculator-form button {
background-color: #007bff;
color: white;
padding: 10px 15px;
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}
.calculator-form button:hover {
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}
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}
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margin-bottom: 8px;
}
.calculator-results strong {
color: #333;
}
hr {
border: 0;
border-top: 1px solid #eee;
margin: 15px 0;
}