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Massachusetts Paycheck Calculator (2026)

Last reviewed: April 20, 2026

Massachusetts applies a flat 5% state income tax to wage income, replacing the bracket structure most progressive states use. A separate millionaire surtax adds 4% on income above $1 million per year, enacted by a 2022 ballot measure that took effect in 2023. The state has no general State Disability Insurance program, but Paid Family and Medical Leave (PFML) is a small payroll deduction split between employer and employee. Most Massachusetts cities and towns do not levy a separate local income tax, so the visible payroll lines for a typical resident are federal income tax, FICA, MA state tax, and PFML. This calculator estimates 2026 take-home pay after federal tax, FICA, the 5% Massachusetts rate, and the millionaire surtax where applicable. It supports pre-tax 401(k) and HSA deductions, single and married filing jointly, and standard or itemized deductions.

vs. baseline ($85,000 single filer)

A $85,000 salary in Massachusetts takes home approximately $4,600 less than the same salary in a no-income-tax state like Texas or Florida.

Massachusetts state tax breakdown

Single-filer state income tax brackets used by the calculator for 2026.

Taxable IncomeRate
$0+5%

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Massachusetts paycheck FAQ

What is Massachusetts's millionaire surtax and when does it apply?
The surtax is an extra 4% state tax on personal income above $1 million per year, on top of the 5% flat rate. It was added by a 2022 ballot measure (Question 1) and took effect in 2023. The threshold is per filer, not per couple, and the surtax applies only to the portion of income above $1 million.
Does Massachusetts have State Disability Insurance?
Massachusetts does not run a traditional SDI program. It does operate Paid Family and Medical Leave (PFML), funded by a small payroll contribution split between employer and employee, but PFML is a separate program from SDI as understood in states like California or New York.
How does a flat 5% rate compare to progressive states like New York or California?
At lower and middle incomes, Massachusetts often runs higher than New York or California because the 5% rate kicks in from dollar one. At high incomes (above the New York or California top brackets), Massachusetts can land lower until the millionaire surtax brings it back up. Most wage earners find Massachusetts comparable to mid-range progressive states on a percentage basis.
Why does my Massachusetts take-home differ from the same salary in neighboring New Hampshire?
New Hampshire does not tax wage income, so a New Hampshire resident earning the same gross pay sees only federal tax and FICA on the pay stub. A Massachusetts resident earns the same gross but pays an additional 5% in state tax plus PFML. The gap grows in dollar terms at higher salaries.

Take-home at common salaries for Massachusetts

Dedicated salary-anchor pages with a federal-state-FICA breakdown, vs-baseline callouts, and a calculator pre-set to that salary and Massachusetts.

$50,000 after taxesin Massachusetts$75,000 after taxesin Massachusetts$100,000 after taxesin Massachusetts$150,000 after taxesin Massachusetts$200,000 after taxesin Massachusetts$250,000 after taxesin Massachusetts

See also

Run the full US paycheck calculatorCompare to New Hampshire paycheck calculatorCompare to Vermont paycheck calculatorCompare to New York paycheck calculatorCompare to Connecticut paycheck calculatorCompare to Rhode Island paycheck calculatorCompare to New Jersey paycheck calculatorCompare paycheck taxes between two locationsPaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Massachusetts paycheck page is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-04-20