Take-home pay in Massachusetts by salary
Yearly take-home pay for a single filer paid every two weeks, with no 401(k), HSA or insurance deductions, under the 2026 federal rules and Massachusetts's 2026 state rules. Social Security is 6.2% up to $184,500 of wages and Medicare 1.45%.
| Salary | Federal tax | Social Security + Medicare | Massachusetts tax | State payroll | Take-home | Per paycheck |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,780 | $184 | $32,356 | $1,244.46 |
| $60,000 | $5,020 | $4,590 | $2,780 | $276 | $47,334 | $1,820.54 |
| $80,000 | $8,770 | $6,120 | $3,780 | $368 | $60,962 | $2,344.69 |
| $100,000 | $13,170 | $7,650 | $4,780 | $460 | $73,940 | $2,843.85 |
| $150,000 | $24,734 | $11,475 | $7,280 | $690 | $105,821 | $4,070.04 |
Taxes on $100,000 come to 26.1% of gross pay in Massachusetts; on $40,000 they are 19.1%. Local income taxes are not included; enter a rate in the calculator if your city or county charges one.
Massachusetts income tax in 2026
Massachusetts applies one rate, 5%, to taxable income, and a 4% surtax on income over $1,107,750. Massachusetts taxes wages at 5% and adds a 4% surtax on income over $1,107,750 in 2026, which makes the top rate 9%.
Paid family and medical leave is funded by a separate payroll deduction, 0.46% of wages up to the Social Security limit in the calculator, which the Tax Foundation leaves out of its income tax rate.
Massachusetts tax brackets, 2026
| Rate | Single | Married, joint |
|---|---|---|
| 5% | $0 to $1,107,750 | $0 to $1,107,750 |
| 9% | Over $1,107,750 | Over $1,107,750 |
Taxable income after the deductions and exemptions below. Head of household filers use the single brackets.
Deductions, exemptions and credits
| Personal exemption | $4,400 single, $8,800 joint, $6,800 head of household |
|---|
State payroll deductions in Massachusetts
On top of income tax, these come out of every paycheck in Massachusetts. They use the same wages as Social Security: 401(k) contributions count, insurance premiums through payroll do not.
| Deduction | Rate | Applies to |
|---|---|---|
| Paid family and medical leave | 0.46% | Wages up to $184,500 a year |
Nearby and similar states
Neighboring states: Rhode Island (3.75% to 5.99%), Connecticut (2% to 6.99%), New York (3.9% to 10.9%), Vermont (3.35% to 8.75%), New Hampshire (no state income tax).
Other flat-tax states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky. The paycheck calculator page compares all 50 states and DC on one salary.
Budget with the net number: the 50/30/20 budget planner splits monthly take-home pay into needs, wants and savings. To turn an hourly wage into a salary first, use the salary converter.
Sources
Figures checked in October 2026. The state rows use the same data as the calculator: the Tax Foundation survey as of January 1, 2026, updated with laws signed later in 2026, and each state's own worksheets for phase-outs. Estimates only, not tax advice.
- Tax Foundation: State Individual Income Tax Rates and Brackets, 2026 (as of February 2026)
- IRS Rev. Proc. 2025-32: 2026 federal tax brackets and standard deduction
- Massachusetts revenue department: official forms and withholding
Frequently asked questions
How much is $60,000 after taxes in Massachusetts?
About $47,334 a year for a single filer with no pre-tax deductions, or $1,820.54 per biweekly paycheck. That is after $5,020 of federal income tax, $4,590 of Social Security and Medicare, $2,780 of Massachusetts income tax and $276 of state payroll deductions. Married filers and anyone with a 401(k) or health premiums keep more; the calculator above handles both.
What is the Massachusetts income tax rate for 2026?
5% on taxable income, plus a 4% surtax on income over $1,107,750. Personal exemption: $4,400 single, $8,800 joint, $6,800 head of household.
Does Massachusetts have local income tax?
No. The Tax Foundation's 2026 survey lists local income taxes only in Alabama, Indiana, Iowa, Kentucky, Maryland, Michigan, Missouri, New York, Ohio, Oregon and Pennsylvania. Massachusetts is not among them, so the local field stays at 0.
What is the take-home pay on $100,000 in Massachusetts?
About $73,940 a year, $2,843.85 per biweekly paycheck, for a single filer. Taxes come to 26.1% of gross pay: $13,170 federal income tax, $7,650 Social Security and Medicare, $4,780 of Massachusetts income tax and $460 of state payroll deductions.
What is the paid family and medical leave deduction in Massachusetts?
0.46% of wages up to $184,500 a year. On a $60,000 salary that is $276 a year. Employers withhold it with the other taxes, and some pay part of the employee share.