Maryland Take-Home Pay Calculator
Estimate what's left of your paycheck after Maryland state income tax, federal income tax, and FICA — using MD's 2025 bracket schedule, including the two new top brackets.
What comes out of a Maryland paycheck
Maryland applies 10 brackets from 2% to 6.5%. The 2025 Budget Reconciliation and Financing Act added the two highest brackets — 6.25% and 6.5% — targeting income above $500,000 and $1,000,000 for single filers. It also replaced Maryland's old income-based standard deduction formula with flat amounts: $3,350 for single filers, $6,700 for married filing jointly.
MD-taxable income: $80,000 − $4,000 pre-tax − $3,350 standard deduction = $72,650. MD tax on $72,650 (2%-4.75% brackets) ≈ $3,398.
Federal tax (on $61,000 taxable) ≈ $8,334 · MD state tax ≈ $3,398 · Social Security $4,960 · Medicare $1,160.
Annual take-home ≈ $58,148 → about $2,236 per biweekly paycheck (72.7% of gross) — before any county income tax.
Maryland 2025 tax brackets (single filers)
| Taxable income | Rate |
|---|---|
| $0 – $1,000 | 2% |
| $1,000 – $2,000 | 3% |
| $2,000 – $3,000 | 4% |
| $3,000 – $100,000 | 4.75% |
| $100,000 – $125,000 | 5% |
| $125,000 – $150,000 | 5.25% |
| $150,000 – $250,000 | 5.5% |
| $250,000 – $500,000 | 5.75% |
| $500,000 – $1,000,000 | 6.25% (new for 2025) |
| Over $1,000,000 | 6.5% (new for 2025) |
Married-filing-jointly thresholds are wider at every bracket — the two new top brackets apply above $600,000 (6.25%) and $1,200,000 (6.5%) for joint filers.
Maryland's mandatory county tax — the part the state rate doesn't show
Unlike states where local tax varies by whether a specific city opts in, every Maryland resident owes a county income tax in addition to the state brackets — all 23 counties plus Baltimore City levy one, typically 2.25% to 3.20% depending on where you live. This isn't optional or skippable the way some other states' city taxes are; it's baked into every Maryland resident's total tax bill. This calculator intentionally shows state tax only — check your county's specific rate for the full picture.
Common mistakes when estimating Maryland take-home pay
- Forgetting county tax entirely. Every Maryland resident owes one — it's not optional the way some cities' local taxes are elsewhere.
- Applying the new 6.25%/6.5% brackets to typical incomes. These only affect income above $500,000 (single) — most Maryland workers never reach them.
- Using the old standard deduction formula. The 2025 reform replaced the income-based sliding scale with flat $3,350/$6,700 amounts.
Frequently asked questions
What are Maryland's state income tax rates?
10 brackets for 2025 from 2% to 6.5%, with the two highest brackets (6.25% and 6.5%) newly added in 2025.
Does Maryland have local county income tax?
Yes — every county plus Baltimore City levies a mandatory local tax, roughly 2.25%-3.20%, on top of the state brackets.
What changed in Maryland's tax code for 2025?
Two new top brackets (6.25%, 6.5%) were added, and the standard deduction switched to flat $3,350 (single) / $6,700 (MFJ) amounts.
Do Maryland's brackets differ by filing status?
Yes — joint filers use wider thresholds at every bracket, though the marginal rates themselves are the same.
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Note: Simplified estimate using 2025 state and federal figures; excludes county income tax, credits, and benefit specifics. Not tax advice. Figures: 2025 Maryland and federal tax year. Last reviewed: September 2026.