Massachusetts Paycheck Calculator
Work out net pay for a job in Massachusetts: federal income tax, Social Security and Medicare, plus state tax are applied to a $75,000 example that you can edit.
What Massachusetts Takes From Your Pay
Massachusetts uses graduated rates across 2 brackets, from 5% to 9%. The top rate applies to taxable income above roughly $1,107,750 for a single filer. Single filers get an estimated state deduction of $4,400.
State withholding changes go through Form M-4, which you give to your employer.
Massachusetts has a 5% flat rate with an additional 4% surtax on income above about $1.1 million, and employees fund part of Paid Family and Medical Leave.
Massachusetts Minimum Wage and Take-Home Pay
Minimum wage in Massachusetts: $15.00 an hour, per the Labor Department summary current on July 1, 2026. A single filer on a 40-hour schedule at that rate brings in $600.00 weekly gross and keeps around $495.49, or $25,766 over twelve months, with no deductions. About $1,484 of that yearly pay goes to state income tax and programs.
Working full time at that floor pays $31,200 a year, about 49% of the $63,590 median wage in Massachusetts.
Minimum wages are revised often. The hourly paycheck calculator handles any rate, and the Massachusetts labor department publishes the current one.
Typical Massachusetts Salaries and Their Take-Home Pay
Across roughly 3,637,600 wage and salary jobs in Massachusetts, the BLS (May 2025) reports a mean annual wage of $85,610 and a median of $63,590. That median sits 25% above the US figure of $50,980.
Here is how far each of those wages goes for a single filer with no deductions, once federal tax, FICA, state tax and programs are taken out of biweekly pay:
| Massachusetts wage point | Gross a year | Kept a year | Kept per check | Effective rate |
|---|---|---|---|---|
| Bottom tenth | $36,330 | $29,608 | $1,138.75 | 18.5% |
| Typical worker (median) | $63,590 | $50,023 | $1,923.94 | 21.3% |
| Mean (average) | $85,610 | $64,602 | $2,484.70 | 24.5% |
| Upper earners (75th percentile) | $102,580 | $75,614 | $2,908.24 | 26.3% |
BLS wage estimates exclude self-employment, and they are averages of many different jobs. For your own number, use the salary paycheck calculator.
Massachusetts Pay Schedules
Per the Department of Labor: Massachusetts requires weekly or biweekly pay for hourly workers and semimonthly pay for salaried workers. Special cases exist, and the Massachusetts labor department is the place to confirm them.
Using a $63,600 full-time salary (the BLS median wage there), this is what the permitted schedules pay a single filer with no deductions:
| Schedule | Before tax | After tax |
|---|---|---|
| Weekly (52 a year) | $1,223.08 | $962.12 |
| Biweekly (26 a year) | $2,446.15 | $1,924.23 |
| Semimonthly (24 a year) | $2,650.00 | $2,084.59 |
Compare frequencies in the pay frequency guide, or run your own numbers in the semimonthly and monthly calculators.
Massachusetts Deductions, Programs and Local Taxes
State Payroll Programs
Employee-paid programs included in the calculator (estimated rates):
- MA Paid Family & Medical Leave: 0.46% of wages up to $184,500.
Local Taxes
Massachusetts has no local wage taxes.
Pre-Tax Deductions
Pre-tax 401(k), health insurance and HSA money usually comes off Massachusetts taxable wages too; paycheck deductions explains each.
Massachusetts Income Tax Brackets
Single-filer Massachusetts brackets, estimated, after a $4,400 deduction:
| Taxable income | Rate |
|---|---|
| $0 to $1,107,750 | 5% |
| $1,107,750 and up | 9% |
Salary Ladder for Massachusetts
At $75,000 (single, no deductions) Massachusetts take-home is about $57,718 a year, ranking 48 of 51 among states and DC, $1,163 below the national median of $58,880.
| Salary | Net per check (biweekly) | Net per year | Total tax rate | State tax + programs / yr |
|---|---|---|---|---|
| $30,000 | $956.42 | $24,867 | 17.1% | $1,418 |
| $45,000 | $1,388.48 | $36,100 | 19.8% | $2,237 |
| $60,000 | $1,820.54 | $47,334 | 21.1% | $3,056 |
| $75,000 | $2,219.90 | $57,718 | 23% | $3,875 |
| $100,000 | $2,843.85 | $73,940 | 26.1% | $5,240 |
| $150,000 | $4,070.04 | $105,821 | 29.5% | $7,970 |
Massachusetts Against Its Neighbours
Holding pay at $75,000 for a single filer, here is Massachusetts next to the states it borders or sits near:
| Location | Kept per year | State tax and programs | Gap |
|---|---|---|---|
| Massachusetts (this page) | $57,718 | $3,875 | +$0 |
| New Hampshire | $61,592 | $0 | +$3,875 |
| Connecticut | $58,668 | $2,925 | +$950 |
| Rhode Island | $58,572 | $3,021 | +$854 |
| New York | $57,784 | $3,808 | +$67 |
Read the final column as yearly take-home compared with Massachusetts. Where you work usually decides which state taxes the wages, with your home state possibly crediting it, so look at both sides of the line.
Getting More From a Massachusetts Paycheck
- Where allowed, pre-tax money reduces Massachusetts tax at your top bracket (as high as 9%) as well as federal tax.
- MA Paid Family & Medical Leave is deducted from each paycheck automatically, so plan around it.
- Payroll uses Form M-4 for state withholding, so update it when your situation changes.
- Check whether a city, county or school district tax applies to you: Massachusetts has no local wage taxes.
- The federal side of pre-tax saving is covered in paycheck deductions and 401(k) deductions.
Nearby State Calculators
Common Massachusetts Payroll Questions
Does Massachusetts have a state income tax?
Yes. Tax on wages in Massachusetts climbs from 5% to 9% across brackets.
What is the net pay on $60,000 in Massachusetts?
A single filer with no deductions takes home about $1,820.54 per biweekly paycheck, roughly $47,334 a year, after federal, FICA and Massachusetts taxes.
What is the minimum wage in Massachusetts?
The minimum wage in Massachusetts is $15.00 an hour as of July 1, 2026 according to the US Department of Labor. At 40 hours a week that is about $495.49 take-home per week for a single filer.
What is the average salary in Massachusetts?
The BLS reports a median annual wage of $63,590 and a mean of $85,610 in Massachusetts across all occupations (OEWS, May 2025). At the median, a single filer takes home about $50,023 a year.
How often do employers in Massachusetts have to pay?
Massachusetts requires weekly or biweekly pay for hourly workers and semimonthly pay for salaried workers. Exceptions exist, so confirm with the state labor department.
Do cities or counties in Massachusetts tax wages?
Massachusetts has no local wage taxes. Use the local income tax field in the calculator to include one.
Which withholding form does Massachusetts use?
Massachusetts uses Form M-4 for state withholding elections. Federal withholding is set on Form W-4.
Which state gets my income tax if I work in Massachusetts and live outside it?
The state where the work is done normally taxes the wages, while the state you live in may offer a credit. If you live in New Hampshire and work in Massachusetts, or the other way round, read both states' rules and ask payroll about reciprocity.
How does Massachusetts rank for take-home pay?
Take-home on $75,000 (single filer) puts Massachusetts at 48 of 51 including DC, at about $57,718 a year.
How these numbers are figured: 2026 IRS withholding rules (Publication 15-T) and state figures last verified September 2026. Results are estimates. Read the full methodology and sources.