Free Boston Paycheck Calculator

The salary calculator will help you automatically calculate your annual salary, weekly salary, and also the number of hours you work per week, the frequency of payments, the taxes of the different states where you are located, in addition to showing you the salary breakdown, it will also provide you with charts to access, all you need to do is to fill out the calculator below to get your answer.

All-in-One Paycheck Calculator

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Used to calculate yearly salary if only hourly wage is given How often you receive your paycheck Used to apply state income tax (default flat rate per state) % of income contributed to retirement savings (optional) Health, dental, or other deductions

How We Ensure Your Calculations Are Accurate at HnKey

Verified Data:In order to ensure that the accuracy of our calculations is our main priority, our team frequently checks the tax information, and policies of the IRS to review our calculations in a timely manner.

Regularly Updated:It is important to note that these data, not our guesses, come from official sources such as the IRS and state tax offices.

Disclaimer: This tool is for estimation purposes only and does not constitute financial advice. Please consult a qualified professional for personalized financial guidance.

Understanding your paycheck in Boston involves navigating federal, state, and local taxes, along with other deductions that impact your take-home pay. This guide provides a clear overview of the taxes applied to wages in Boston, how they are calculated, and official resources to ensure accuracy.

Federal Income Tax

Federal income tax is withheld from your paycheck based on your earnings, filing status, and allowances claimed on your IRS Form W- U.S. uses a progressive tax system, with rates ranging from 10% to 37% for 2025, depending on your taxable income. The IRS provides Publication 15 for employers to calculate withholdings using either the percentage method or wage bracket method. Your W-4 form, updated for 2025, allows you to adjust withholdings to account for dependents, other income, or deductions. To estimate your federal tax, use the IRS’s Tax Withholding Estimator.

Massachusetts State Income Tax

Massachusetts levies a flat state income tax rate of 5% on most types of income, including wages, for 2025, as outlined by the Massachusetts Department of Revenue. Certain income, like short-term capital gains, is taxed at a higher rate ( The state allows deductions for dependents, medical expenses, and other qualifying items, which can reduce taxable income. Employers withhold state taxes based on your Massachusetts Form M-4, similar to the federal W- may also qualify for credits, such as the Earned Income Tax Credit, detailed in the state’s tax credit guide.

Boston Local Taxes

Boston does not impose a local income tax on residents or workers, unlike some cities in other states. However, Massachusetts residents, including those in Boston, may be subject to additional taxes on specific income sources, such as rental income, which is reported on state tax returns. Always verify with the City of Boston’s Tax Collection Department for any updates on local tax obligations.

FICA Taxes (Social Security and Medicare)

FICA taxes fund Social Security and Medicare and are withheld from every paycheck. For 2025, the Social Security tax rate is on income up to $168,600, and the Medicare tax rate is on all wages, with an additional for high earners (above $200,000 for single filers). Employers match these contributions, as explained in the IRS’s Topic No. 751. Self-employed individuals pay both portions ( for Social Security and for Medicare) via self-employment tax.

Other Deductions

Beyond taxes, your paycheck may reflect deductions for health insurance premiums, retirement contributions (e.g., 401(k) or Massachusetts Deferred Compensation SMART Plan), and wage garnishments, if applicable. Massachusetts requires employers to offer paid family and medical leave, funded by a payroll tax of up to (split between employer and employee), per the Department of Family and Medical Leave. Voluntary deductions, like union dues or charitable contributions, also reduce take-home pay.

How Paycheck Calculations Work

To calculate your net pay, start with your gross income (salary or hourly wages before deductions). Subtract federal and state income tax withholdings, based on your W-4 and M-4 forms, then deduct FICA taxes and any state-specific contributions, like paid family leave. Finally, subtract voluntary deductions. The remaining amount is your take-home pay. For accuracy, employers use payroll software aligned with IRS and Massachusetts guidelines, but you can estimate your paycheck using tools like the one below.

Official Resources for Accuracy

To ensure your withholdings align with your financial situation, consult the IRS’s Tax Withholding Estimator and Massachusetts’s personal income tax guide. For Boston-specific inquiries, contact the City of Boston Tax Collection. Always review your pay stub to confirm deductions and update your W-4 or M-4 forms after major life changes, such as marriage or a new job.

The above information is reviewed by our team of tax experts, all of them have an average of about 10 years of experience in the U.S. tax, if you have any questions, you can submit the form to us, our experts will be within 24 hours, reply to you.

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