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Massachusetts Take-Home Pay Calculator: 5% + Millionaire Surtax (2026)

Massachusetts taxes wages at a flat 5% — plus a voter-approved 4% surtax on income above roughly $1.08 million. Employees also chip in for the state's paid family leave program. Estimate your 2026 take-home pay below.

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$

Net annual pay

$74,400

Net monthly pay

$6,200

Net biweekly pay

$2,862

Tax breakdown

CategoryAmount% of income
Federal Income Tax$13,17013.2%
Social Security$6,2006.2%
Medicare$1,4501.5%
State Income Tax$4,7804.8%
Total tax$25,60025.6%

Effective tax rate: 25.6%. Marginal federal rate: 22.0%. Marginal state rate: 5.0% in Massachusetts.

Where your money goes

Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.

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See how Massachusetts's take-home pay ranks against another state.

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Example: take-home pay on common salaries in Massachusetts

Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.

Gross salary Federal tax FICA Massachusetts tax Net annual pay Effective rate
$75,000 $7,670 $5,738 $3,530 $58,063 22.6%
$100,000 $13,170 $7,650 $4,780 $74,400 25.6%

How Massachusetts taxes your income in 2026

Most wage income is taxed at a flat 5%. Since 2023, income above an annually adjusted threshold (about $1.08 million) pays an extra 4% 'millionaire surtax,' for a 9% top rate — revenue earmarked for education and transportation. Massachusetts has no standard deduction; instead it provides personal exemptions of $4,400 for single filers and $8,800 for joint filers. Short-term capital gains are taxed at a higher 8.5% rate.

Paid family leave comes out of your paycheck

Massachusetts employees contribute to the state's Paid Family and Medical Leave (PFML) program through a payroll deduction of roughly 0.46% of eligible wages, on top of income tax. No Massachusetts city levies a local income tax. Social Security benefits are fully exempt from state tax, and public pension income from Massachusetts state/local government is exempt as well — but private pensions and IRA distributions are taxed at 5%.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Massachusetts's 5% tax net of the personal exemption. It does not model the 4% millionaire surtax (income above ~$1.08M), the PFML payroll deduction, the 8.5% short-term capital gains rate, itemized deductions, or credits. Figures are estimates for planning purposes, not tax advice.

Frequently asked questions

What is the Massachusetts income tax rate in 2026? ▼
A flat 5% for most income. Since 2023, income above roughly $1.08 million pays an additional 4% surtax (top rate 9%). Short-term capital gains are taxed at 8.5%.
Does Massachusetts have local income taxes? ▼
No. Boston and other Massachusetts municipalities do not impose income taxes. The 5% state tax is the only income tax below the federal level.
Does Massachusetts tax Social Security or retirement income? ▼
Social Security is fully exempt, and Massachusetts public-employee pension income is exempt too. Private pensions and IRA/401(k) distributions are taxed at the standard 5%.
How much is $75,000 after taxes in Massachusetts? ▼
A single filer earning $75,000 pays roughly $3,530 in Massachusetts income tax and takes home about $58,063 per year after federal tax, FICA, and state tax, based on this calculator's 2026 estimates (PFML payroll contributions not included). See the example table above.
What is the Massachusetts millionaire tax? ▼
A 4% surtax on annual income above an inflation-adjusted threshold (about $1.08 million for 2026), approved by voters in 2022 and effective since 2023. It funds education and transportation and affects fewer than 1% of filers.

Data sources

Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.