Free Maryland 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

Annual Salary ($)

Hourly Wage ($) Hours per Week Used to calculate yearly salary if only hourly wage is given Pay Frequency How often you receive your paycheck State Used to apply state income tax (default flat rate per state) 401(k) Contribution (%) % of income contributed to retirement savings (optional) Monthly Insurance Deduction ($) 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 the Maryland Paycheck Calculator

A Maryland paycheck calculator helps you estimate your net pay after federal and state taxes, Social Security, Medicare, and other deductions are withheld from your gross income. Knowing how your paycheck is calculated empowers you to plan your finances effectively. This guide explains Maryland’s tax structure, how paycheck calculations work, and key factors that influence your take-home pay.

Maryland Income Tax Overview

Maryland imposes both state and local income taxes on residents and non-residents earning income within the state. The state income tax is progressive, with rates ranging from 2% to depending on your taxable income. Additionally, Maryland counties and Baltimore City levy a local income tax, often referred to as a “piggyback” tax, with rates between and based on your place of residence.

The Maryland Comptroller’s Office oversees tax collection and provides detailed guidance on state and local tax obligations. For the most accurate and up-to-date tax rates, refer to the Maryland Comptroller’s tax rate page.

How Maryland Paycheck Calculations Work

To calculate your take-home pay in Maryland, several factors are considered:

Gross Income: This is your total earnings before deductions, including wages, salaries, bonuses, and other compensation.
Federal Taxes: Federal income tax is withheld based on your income level, filing status (e.g., single, married filing jointly), and allowances claimed on your IRS Form W- IRS provides tax tables and withholding calculators to estimate federal tax liability, available at the IRS Tax Withholding Estimator.
State Income Tax: Maryland’s state income tax is calculated using a graduated rate schedule. For 2025, the rates are as follows for single filers (subject to change, so verify with the Maryland Comptroller):

2% on the first $1,000 of taxable income
3% on taxable income from $1,001 to $2,000
4% on taxable income from $2,001 to $3,000
on taxable income from $3,001 to $100,000
5% on taxable income from $100,001 to $125,000
on taxable income from $125,001 to $150,000
on taxable income from $150,001 to $250,000
on taxable income over $250,000

Local Income Tax: Each Maryland county and Baltimore City sets its own local tax rate. For example, Montgomery County’s rate is while Allegany County’s is Check your local rate on the Maryland Comptroller’s local tax rate page.
FICA Taxes: These include Social Security ( on income up to $168,600 in 2025) and Medicare ( on all income, with an additional for high earners). The Social Security Administration provides details on wage base limits at SSA’s website.
Other Deductions: Your paycheck may include deductions for health insurance, retirement contributions (e.g., 401(k) or Maryland State Retirement System), and other voluntary withholdings.

To calculate your net pay, subtract these taxes and deductions from your gross income. A Maryland paycheck calculator simplifies this process by factoring in your income, filing status, allowances, and locality.

Key Factors Affecting Your Maryland Paycheck

Several variables influence your take-home pay:

Filing Status: Your W-4 filing status (single, married, head of household) affects federal and state tax withholding.
Allowances: Claiming more allowances on your W-4 reduces tax withholding, increasing your net pay, but may lead to owing taxes if not calculated carefully.
Local Tax Rates: Your county of residence determines your local tax rate, impacting your overall tax burden.
Additional Income: Bonuses, overtime, or side income are subject to the same tax rates and can push you into a higher tax bracket.
Pre-Tax Deductions: Contributions to retirement plans or health savings accounts lower your taxable income, increasing your net pay.

Using a Maryland Paycheck Calculator

A paycheck calculator tailored for Maryland allows you to input your gross income, pay frequency (weekly, bi-weekly, monthly), filing status, and deductions. It then estimates your federal, state, and local tax withholdings, along with FICA contributions, to provide an accurate net pay figure. This tool is especially useful for budgeting, planning for tax season, or adjusting your W-4 withholdings.

For precise calculations, ensure you have the following information:

Your gross pay per pay period
Your federal and state W-4 withholding allowances
Your county of residence for local tax rates
Any pre-tax deductions (e.g., 401(k), health insurance)

The Maryland Comptroller’s Office also offers resources like withholding tables and employer guidelines, accessible at Maryland’s withholding information page.

Tips for Accurate Paycheck Planning

To maximize the accuracy of your paycheck calculations and avoid surprises during tax season:

Update Your W-4: Adjust your withholding allowances if your financial situation changes (e.g., marriage, dependents, or new income sources).
Account for Local Taxes: Verify your county’s tax rate, as it significantly impacts your withholding.
Monitor Tax Law Changes: Federal and state tax laws may change annually, affecting rates or deductions. Stay informed via the IRS and Maryland Comptroller websites.
Use Official Resources: Rely on government-provided tools and tables for the most reliable tax information.

By understanding Maryland’s tax structure and using a paycheck calculator, you can gain clarity on your net income and make informed financial decisions.

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.

HnKey