Free Paycheck Calculator Maryland
Published: 9 November 2026 · Updated: 9 November 2026
On a $75,000 salary in Maryland, a single filer in Montgomery County keeps about $4,662.40 a month after federal, state and county tax plus Social Security and Medicare. Maryland is one of the few states with a second, local income tax on top of the state tax — this calculator shows both lines separately. Enter your salary below.
Maryland taxes your pay twice: a state tax of 2% to 6.5% and a county tax of 2.25% to 3.30% on the same income. Federal tax, Social Security (6.2% up to $184,500) and Medicare (1.45%) come off first. On $75,000 single in Montgomery County, the five deductions total $19,051.18 a year — about 25.4% of gross pay.
Researched by MixKhazana Team · Last updated 9 November 2026 · Data: Comptroller of Maryland 2026 withholding facts + IRS Rev. Proc. 2025-32 + SSA (tax year 2026)
How to use
- Enter your gross annual salary in dollars.
- Choose your filing status — single or married filing jointly.
- Pick your county of residence — the local rate is applied on top of the state tax.
- Choose how often you are paid, then click Calculate My Maryland Paycheck for your take-home pay and the full breakdown.
How it works
Maryland is unusual: it is one of the few states where your pay is taxed twice at state level. First comes the federal tax: your taxable income is your salary minus the 2026 standard deduction — $16,100 for a single filer, $32,200 for a joint return — then the seven IRS brackets apply, from 10% on the first $12,400 of taxable income up to 37% above $640,600. Then comes Social Security at 6.2%, but only on your first $184,500 of wages in 2026 (the Social Security Administration's wage base), and Medicare at 1.45% on every dollar, plus an extra 0.9% on wages above $200,000 single or $250,000 joint. Only then does Maryland itself take its cut — and it takes two. If you also use our Virginia paycheck calculator, you will see the contrast at once: Virginia has one flat-ish state tax and no county layer, so the same $75,000 keeps noticeably more across the Potomac.
The Maryland state tax runs on ten graduated brackets from 2% to 6.5% in 2026 — the same schedule as 2025, when the two top brackets of 6.25% and 6.5% were added. The 4.75% band covers most ordinary salaries: up to $100,000 of taxable income for a single filer, $150,000 for a joint return. The county tax is simpler and harsher: a flat percentage of the same taxable income, set by each of the 23 counties and Baltimore City, from 2.25% in Worcester County to 3.30% in Dorchester and Kent. The big population centres — Montgomery, Howard, Prince George's, Baltimore City and Baltimore County — all charge 3.20%, so for most Marylanders the combined state-plus-local top slice is close to 8% before federal tax is even counted. Both Maryland taxes start from the same taxable income, which is your salary minus Maryland's own standard deduction of $3,350 single or $6,700 joint.
One statistic worth knowing: the 2026 Social Security wage base is $184,500, up from $176,100 in 2025 — a 4.77% rise that the Social Security Administration sets each year from the national average wage index. Once your pay crosses that line, the 6.2% Social Security withholding stops for the rest of the year, which is why high earners see a visible bump in their late-year paychecks. The Comptroller of Maryland's own withholding guide states the same logic for the state side: each rate applies only to the income inside its band, so moving into a higher bracket never taxes your whole salary at the higher rate.
Worked example
Daniel earns $75,000 a year as a nurse in Bethesda, Montgomery County, single, paid monthly in 2026:
- Federal taxable income: $75,000 − $16,100 standard deduction = $58,900
- Federal tax: 10% × $12,400 + 12% × $38,000 + 22% × $8,500 = $7,670.00
- Social Security: 6.2% × $75,000 = $4,650.00 (under the $184,500 wage base)
- Medicare: 1.45% × $75,000 = $1,087.50
- Maryland taxable income: $75,000 − $3,350 standard deduction = $71,650
- Maryland state tax: 2% × $1,000 + 3% × $1,000 + 4% × $1,000 + 4.75% × $68,650 = $3,350.88
- Montgomery County tax: 3.20% × $71,650 = $2,292.80
- Total tax: $19,051.18 — net pay $55,948.82 a year, $4,662.40 a month, about 74.6% of gross
Married filing jointly on the same salary, the federal tax falls to $4,640.00 and the Maryland state tax to $3,191.75, because the wider brackets and the $32,200 / $6,700 deductions apply. Try it in the widget.
Figures used here
| Figure | 2026 value |
|---|---|
| Federal standard deduction (single / joint) | $16,100 / $32,200 |
| Federal brackets (single) | 10%–37% (IRS Rev. Proc. 2025-32) |
| Maryland state tax (single) | 2%–6.5%, 10 brackets |
| Maryland standard deduction (single / joint) | $3,350 / $6,700 |
| County tax range | 2.25% (Worcester) – 3.30% (Dorchester, Kent) |
| Social Security wage base / rate | $184,500 / 6.2% |
| Medicare rate (+ additional over $200k single) | 1.45% (+0.9%) |
Frequently asked questions
How much is a $75,000 salary after tax in Maryland in 2026?
On a $75,000 salary in Maryland in 2026, a single filer in Montgomery County keeps about $55,948.82 a year — $4,662.40 a month. The deductions are $7,670 federal income tax, $3,350.88 Maryland state tax, $2,292.80 county tax, $4,650 Social Security and $1,087.50 Medicare, totalling $19,051.18. Enter your own salary in the calculator above for a personal estimate.
What are Maryland state income tax rates in 2026?
Maryland charges ten graduated rates from 2% to 6.5% on taxable income in 2026: 2% on the first $1,000, 3% to $2,000, 4% to $3,000, then 4.75% up to $100,000 for single filers ($150,000 joint), rising through 5%, 5.25%, 5.5% and 5.75% to 6.25% above $500,000 ($600,000 joint) and 6.5% above $1,000,000 ($1,200,000 joint). The 6.25% and 6.5% brackets were added for 2025 and continue in 2026.
What is the Maryland county income tax?
Every Maryland county and Baltimore City adds its own flat local income tax on the same taxable income as the state tax. In 2026 the local rates run from 2.25% in Worcester County to 3.30% in Dorchester and Kent counties, and the most populous jurisdictions — Montgomery County, Baltimore City, Baltimore County, Howard County and Prince George's County — charge 3.20%. The calculator lets you pick your county.
What is the Maryland standard deduction for 2026?
Maryland's standard deduction for 2026 is $3,350 for single filers, married filing separately and dependents, and $6,700 for joint filers, heads of household and qualifying surviving spouses, according to the Comptroller of Maryland's 2026 estimated tax worksheet. It is subtracted before the state and county rates apply, so it lowers both taxes at once.
How much Social Security and Medicare tax do I pay in 2026?
Social Security tax is 6.2% of wages up to the 2026 wage base of $184,500, so the most any employee pays is $11,439 a year. Medicare tax is 1.45% of all wages with no cap, plus an additional 0.9% on wages above $200,000 for single filers ($250,000 joint). Both figures come from the Social Security Administration and the IRS.
Do I pay Maryland tax if I live in Virginia or DC but work in Maryland?
No. Maryland has reciprocity agreements with Virginia, West Virginia, Pennsylvania and the District of Columbia: if you live in one of those places and work in Maryland, you are exempt from Maryland income tax withholding and instead pay tax to your home state. File Form MW507 with your employer to claim the exemption, and file a Maryland nonresident return only if Maryland tax was withheld by mistake.
What official sources are the 2026 Maryland figures based on?
The state brackets, county rates and standard deduction come from the Comptroller of Maryland's 2026 Withholding Tax Facts and 2026 estimated tax worksheet; the federal brackets and $16,100 single standard deduction come from IRS Revenue Procedure 2025-32; and the $184,500 Social Security wage base comes from the Social Security Administration. This page is an estimate, not tax advice.