Massachusetts Paycheck Calculator
Free Massachusetts paycheck calculator. Estimate your take-home pay with current Massachusetts state tax rates and federal withholdings. Calculate federal income tax, Social Security, Medicare, and Massachusetts state withholdings instantly.
What you should know about Massachusetts taxes
Massachusetts charges a flat 5% on most income, but voters approved a 4% surtax on income above $1 million starting in 2023. The state also has a mandatory Paid Family and Medical Leave (PFML) program.
Massachusetts Income Tax Brackets — 2026
| Tax Rate | Taxable Income Range |
|---|---|
| 5% | All taxable income up to $1,000,000 |
| 9% | Income above $1,000,000 (5% + 4% surtax) |
Massachusetts 5% Flat Tax + Millionaires Surtax
Massachusetts has long had a flat 5% income tax. In 2023, voters passed the "Fair Share Amendment" adding a 4% surtax on income above $1 million, creating an effective 9% rate at the top. For the vast majority of workers, the flat 5% applies to all income. Massachusetts uses its own standard deduction of $8,000 for single filers. The state also exempts the first $8,000 of rent paid from income (via a tax credit). There are no local income taxes in Massachusetts — Boston, Cambridge, Worcester all use the same state 5% rate.
PFML and Other Massachusetts Paycheck Deductions
Massachusetts launched its Paid Family and Medical Leave (PFML) program in 2021. Both employers and employees contribute: the total rate is 0.88% of wages, with the employee share typically around 0.318% for family leave and 0.124% for medical leave, though it varies by employer size. On a $75,000 salary, the employee PFML contribution is roughly $330 per year. Combined with federal tax, the 5% state rate, FICA, and PFML, a Boston worker earning $80,000 takes home about 71–73% of gross. Cost of living in Greater Boston is among the highest in the country, especially housing.