MA Salary Calculator
Turn a Massachusetts salary or hourly wage into 2026 take-home pay per paycheck, with the 5% state tax, the 4% surtax, M-4 exemptions, Paid Family and Medical Leave, federal tax and FICA.
MA salary calculator
Massachusetts take-home pay by salary (single, 1 exemption)
How Massachusetts takes tax out of your pay (2026)
Massachusetts taxes wages at a flat 5%, plus a 4% surtax on income above $1,107,750 for 2026 (Massachusetts Department of Revenue). Withholding subtracts an exemption of $4,400 if you claim one exemption on Form M-4 (otherwise $3,400 plus $1,000 per exemption) and up to $2,000 a year of Social Security and Medicare tax. Traditional 401(k) deferrals are excluded from Massachusetts income to the same extent as federal income; Roth 401(k) contributions are not.
Example: $75,000 single, one exemption: ($75,000 − $2,000 − $4,400) × 5% = $3,430 of Massachusetts tax. Add federal income tax ($7,670), Social Security and Medicare ($5,738) and PFML ($345) and take-home is $57,818 a year, $2,223.75 every two weeks.
Paid Family and Medical Leave (PFML) in your paycheck
For 2026 the PFML contribution is 0.88% of wages up to the Social Security wage base ($184,500) at employers with 25 or more workers: 0.70% for medical leave and 0.18% for family leave. Employers must pay at least 60% of the medical part, so the most an employee can be charged is 0.46% (0.28% medical + 0.18% family). Some employers pay more of it; check your pay stub and lower the PFML box if yours does.
The millionaire's tax: 4% surtax
The surtax applies only to income above the threshold. On a $1.5 million salary the Massachusetts withholding estimate is about $90,114: 5% on everything after the exemption and FICA deduction plus 4% on the part above $1,107,750.
For other states, use the state paycheck calculator; to compare with Virginia, see the paycheck estimator Virginia.
Common questions
How much is $75,000 a year after taxes in Massachusetts?
About $57,818 for a single filer in 2026, or $2,223.75 every two weeks.
What is the Massachusetts income tax rate for 2026?
5% on wages, plus a 4% surtax on income above $1,107,750.
How much is Massachusetts PFML for employees?
Up to 0.46% of wages (to $184,500) in 2026 at employers with 25 or more workers; employers may pay more of it.
Are 401(k) contributions taxed in Massachusetts?
Traditional 401(k) deferrals are excluded to the same extent as federal income; Roth 401(k) contributions are taxed.
Sources
- IRS: 2026 inflation adjustments (Rev. Proc. 2025-32), via Journal of Accountancy
- Social Security Administration: 2026 contribution and benefit base
- Mass.gov: Massachusetts tax rates (5%, 2026 surtax threshold)
- USDA NFC: Massachusetts withholding computation (exemptions, $2,000 FICA deduction)
- Mass.gov: Tax treatment of non-government pensions (401(k) deferrals)
- Seyfarth: 2026 Massachusetts PFML rates (0.88%)
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General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.