Massachusetts paycheck taxes at a glance
Massachusetts has a flat 5% income tax (9% above $1,107,750). Every paycheck also has federal income tax, Social Security (6.2%) and Medicare (1.45%) withheld. This calculator uses 2026 Massachusetts rules and 2026 federal brackets.
| Income tax | Flat 5% (9% above $1,107,750) |
| Standard deduction | $0 single · $0 married |
| Personal exemption | $4,400 single · $8,800 married |
| 401(k) contributions | Excluded from state taxable wages |
| Local income taxes | None — No local income taxes. |
| State payroll deductions | MA PFML 0.46% (wages up to $184,500) |
The calculator applies the main Massachusetts rates, deductions, exemptions and credits above. Dependent credits, itemized deductions and special rules for very high incomes are not included.
Take-home pay examples in Massachusetts
Single filer, standard deduction, no 401(k), paid bi-weekly.
| Salary | Take-home / year | / month | / paycheck | State & local tax | Total tax rate |
|---|---|---|---|---|---|
| $40,000 | $32,356 | $2,696 | $1,244 | $1,780 | 19.1% |
| $60,000 | $47,334 | $3,944 | $1,821 | $2,780 | 21.1% |
| $80,000 | $60,962 | $5,080 | $2,345 | $3,780 | 23.8% |
| $100,000 | $73,940 | $6,162 | $2,844 | $4,780 | 26.1% |
| $150,000 | $105,821 | $8,818 | $4,070 | $7,280 | 29.5% |
Full breakdown by salary: $30,000 · $40,000 · $50,000 · $60,000 · $70,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
Good to know
- Massachusetts taxes most income at a flat 5%, with an extra 4% surtax on taxable income above $1,107,750 for tax year 2026.
- The surtax threshold is adjusted for inflation each year; it was $1,083,150 for 2025.
- Paid Family and Medical Leave contributions are deducted from employee paychecks, up to 0.46% of wages in 2026.
Also see the Massachusetts sales tax calculator.
Sources
- news.bloombergtax.com
- taxfoundation.org
- www.fisherphillips.com
- www.mass.gov
- tax.thomsonreuters.com
- www.mass.gov
Paycheck calculators for other states
Frequently asked questions
What is the Massachusetts income tax rate for 2026?
Massachusetts has a flat income tax of 5% on taxable income for 2026 (9% above $1,107,750).
How much is $60,000 a year after taxes in Massachusetts?
A single filer earning $60,000 takes home about $47,334 a year ($3,944 a month) in Massachusetts, after federal income tax ($5,020), Social Security and Medicare ($4,590) and Massachusetts income tax ($2,780) and state payroll deductions ($276), using 2026 rules and the standard deduction.
Are 401(k) contributions taxed in Massachusetts?
No. Traditional 401(k) contributions lower both your federal and Massachusetts taxable income. They are still subject to Social Security and Medicare.