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Massachusetts
Massachusetts paycheck calculator
Massachusetts taxes wages at 5% after a personal exemption of $4,400 single or $8,800 joint. There is no large standard deduction sitting under that rate. The 4% surtax applies only to the slice of income above $1,083,150, and that threshold is not doubled for a joint return. Below it, the state math is close to a flat 5% minus a modest exemption. Paid family and medical leave is a real payroll withholding in Massachusetts and is not in this file yet, so the stub is light by that premium.
Boston does not add a city income tax on wages here. The missing PFML line matters more than a fictional city tax. Check a recent stub for the family-leave percentage and, if you want it in the total, enter it as a custom post-tax note in your own spreadsheet. This page will not invent the rate.
A traditional 401(k) reduces the income-tax base. FICA is unchanged. The raise calculator is a clean way to see the federal bracket and the flat 5% move together when an offer steps up.
Example take-home
| Salary | Federal | FICA | State | Payroll | Local | Net / year | Net / check |
|---|---|---|---|---|---|---|---|
| $40,000.00 | $2,620.00 | $3,060.00 | $1,780.00 | $0.00 | $0.00 | $32,540.00 | $1,251.54 |
| $60,000.00 | $5,020.00 | $4,590.00 | $2,780.00 | $0.00 | $0.00 | $47,610.00 | $1,831.15 |
| $80,000.00 | $8,770.00 | $6,120.00 | $3,780.00 | $0.00 | $0.00 | $61,330.00 | $2,358.84 |
| $100,000.00 | $13,170.00 | $7,650.00 | $4,780.00 | $0.00 | $0.00 | $74,400.00 | $2,861.53 |
| $150,000.00 | $24,734.00 | $11,475.00 | $7,280.00 | $0.00 | $0.00 | $106,511.00 | $4,096.58 |
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What this page includes
- Federal income tax using the 2026 standard deduction and Rev. Proc. 2025-32 brackets
- Social Security (6.2% up to $184,500) and Medicare (1.45%, plus Additional Medicare when wages clear the filing-status threshold)
- Massachusetts: graduated state income tax (top 9%)
- No employee state disability / paid-leave premium modeled for this state yet
- Local wage tax only if you select a city/county or enter a custom percent
Local tax
Massachusetts does not have a local wage tax in this file. City costs show up in rent and sales tax, not as a second income-tax line on the stub.
What is not included
Credits, itemized deductions, multi-state credits, property tax, sales tax, and unsourced local rates are not included. Employer payroll tables can differ from this annualized estimate. Massachusetts PFML withholding is not modeled yet, so the stub is light by that premium.
Questions
Is Massachusetts a flat 5% tax?
For wages under the surtax threshold, yes, after the personal exemption. The extra 4% applies only above $1,083,150.
Is paid family leave included?
Not yet. The income-tax line is modeled. The PFML withholding is called out as missing so it is not mistaken for zero.
Does Boston tax wages?
Not in this estimate. Use a custom percent only for a real local wage tax.
Nearby
Compare · Bonus · Hourly · All states · Local taxes
Sources
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- Tax Foundation, 2026 federal income tax brackets
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- SSA, Contribution and benefit base
- IRS Publication 15 (Circular E), Employer's Tax Guide
- IRS, Questions and answers for the Additional Medicare Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- IRS, state government websites index
See a rate that looks wrong? The sources and the gaps are public.
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A partner card would be labeled like this and would not sit between the salary field and the net number. There is no email gate.