Estimate your net pay in Maryland after federal, state, local, and FICA taxes, plus common deductions. This calculator uses 2024 tax rates and withholding information for a simplified estimate.
Weekly
Bi-Weekly
Semi-Monthly
Monthly
Federal Withholding
Single
Married Filing Jointly
Maryland State Withholding
Single
Married Filing Jointly
No Local Tax / Other
Anne Arundel County (2.81%)
Baltimore County (3.20%)
Baltimore City (3.20%)
Montgomery County (3.20%)
Prince George's County (3.20%)
Frederick County (3.00%)
Harford County (3.00%)
Howard County (3.20%)
Carroll County (3.00%)
Washington County (3.00%)
Allegany County (3.05%)
Calvert County (3.00%)
Caroline County (3.20%)
Cecil County (3.00%)
Charles County (3.03%)
Dorchester County (3.20%)
Garrett County (2.65%)
Kent County (3.20%)
Queen Anne's County (3.20%)
Somerset County (3.20%)
St. Mary's County (3.00%)
Talbot County (2.40%)
Wicomico County (3.20%)
Worcester County (1.75%)
Other Deductions
Your Estimated Paycheck
Gross Pay: $0.00
Federal Income Tax: $0.00
Social Security Tax: $0.00
Medicare Tax: $0.00
Maryland State Tax: $0.00
Maryland Local Tax: $0.00
Pre-Tax Deductions: $0.00
Post-Tax Deductions: $0.00
Total Deductions: $0.00
Net Pay: $0.00
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function calculatePaycheck() {
// Get input values
var grossPay = parseFloat(document.getElementById('grossPay').value);
var payPeriodsPerYear = parseInt(document.getElementById('payFrequency').value);
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var federalAllowances = parseInt(document.getElementById('federalAllowances').value);
var marylandFilingStatus = document.getElementById('marylandFilingStatus').value;
var marylandAllowances = parseInt(document.getElementById('marylandAllowances').value);
var marylandCounty = document.getElementById('marylandCounty').value;
var preTaxDeductions = parseFloat(document.getElementById('preTaxDeductions').value);
var postTaxDeductions = parseFloat(document.getElementById('postTaxDeductions').value);
// Validate inputs
if (isNaN(grossPay) || grossPay < 0) {
alert('Please enter a valid Gross Pay.');
return;
}
if (isNaN(federalAllowances) || federalAllowances < 0) {
federalAllowances = 0;
}
if (isNaN(marylandAllowances) || marylandAllowances < 0) {
marylandAllowances = 0;
}
if (isNaN(preTaxDeductions) || preTaxDeductions < 0) {
preTaxDeductions = 0;
}
if (isNaN(postTaxDeductions) || postTaxDeductions < 0) {
postTaxDeductions = 0;
}
// Annualize gross pay and pre-tax deductions
var annualGrossPay = grossPay * payPeriodsPerYear;
var annualPreTaxDeductions = preTaxDeductions * payPeriodsPerYear;
// — FICA Taxes (2024 Rates) —
var ssTaxRate = 0.062;
var medicareTaxRate = 0.0145;
var ssWageBase = 168600; // 2024 Social Security wage base
var annualSSTaxable = Math.min(annualGrossPay, ssWageBase);
var ssTax = (annualSSTaxable * ssTaxRate) / payPeriodsPerYear;
var medicareTax = (grossPay * medicareTaxRate); // Medicare has no wage base limit
// — Federal Income Tax (2024 Rates) —
var annualFederalTaxableIncome = annualGrossPay – annualPreTaxDeductions;
var federalStandardDeduction = (federalFilingStatus === 'single') ? 14600 : 29200;
var federalAllowanceValue = federalAllowances * 4700; // Simplified allowance value for withholding
annualFederalTaxableIncome = annualFederalTaxableIncome – federalStandardDeduction – federalAllowanceValue;
annualFederalTaxableIncome = Math.max(0, annualFederalTaxableIncome);
var federalTaxBrackets;
if (federalFilingStatus === 'single') {
federalTaxBrackets = [
{ rate: 0.10, min: 0, max: 11600 },
{ rate: 0.12, min: 11600, max: 47150 },
{ rate: 0.22, min: 47150, max: 100525 },
{ rate: 0.24, min: 100525, max: 191950 },
{ rate: 0.32, min: 191950, max: 243725 },
{ rate: 0.35, min: 243725, max: 609350 },
{ rate: 0.37, min: 609350, max: Infinity }
];
} else { // Married Filing Jointly
federalTaxBrackets = [
{ rate: 0.10, min: 0, max: 23200 },
{ rate: 0.12, min: 23200, max: 94300 },
{ rate: 0.22, min: 94300, max: 201050 },
{ rate: 0.24, min: 201050, max: 383900 },
{ rate: 0.32, min: 383900, max: 487450 },
{ rate: 0.35, min: 487450, max: 731200 },
{ rate: 0.37, min: 731200, max: Infinity }
];
}
var annualFederalTax = calculateProgressiveTax(annualFederalTaxableIncome, federalTaxBrackets);
var federalTaxPerPeriod = annualFederalTax / payPeriodsPerYear;
// — Maryland State Income Tax (2024 Rates) —
var annualMarylandTaxableIncome = annualGrossPay – annualPreTaxDeductions;
var marylandStandardDeduction = (marylandFilingStatus === 'single') ? 2500 : 5000; // Max $2500 per person
var marylandExemptionValue = marylandAllowances * 3200; // $3200 per exemption
annualMarylandTaxableIncome = annualMarylandTaxableIncome – marylandStandardDeduction – marylandExemptionValue;
annualMarylandTaxableIncome = Math.max(0, annualMarylandTaxableIncome);
var marylandTaxBrackets = [
{ rate: 0.0200, min: 0, max: 1000 },
{ rate: 0.0300, min: 1000, max: 2000 },
{ rate: 0.0400, min: 2000, max: 3000 },
{ rate: 0.0475, min: 3000, max: 100000 },
{ rate: 0.0500, min: 100000, max: 125000 },
{ rate: 0.0525, min: 125000, max: 150000 },
{ rate: 0.0550, min: 150000, max: 250000 },
{ rate: 0.0575, min: 250000, max: Infinity }
];
var annualMarylandStateTax = calculateProgressiveTax(annualMarylandTaxableIncome, marylandTaxBrackets);
var marylandStateTaxPerPeriod = annualMarylandStateTax / payPeriodsPerYear;
// — Maryland Local Income Tax (2024 Rates) —
var localTaxRate = getMarylandLocalTaxRate(marylandCounty);
var annualLocalTax = annualMarylandTaxableIncome * localTaxRate; // Local tax usually on same base as state
var marylandLocalTaxPerPeriod = annualLocalTax / payPeriodsPerYear;
// — Total Deductions —
var totalTaxesPerPeriod = ssTax + medicareTax + federalTaxPerPeriod + marylandStateTaxPerPeriod + marylandLocalTaxPerPeriod;
var totalDeductionsPerPeriod = preTaxDeductions + postTaxDeductions + totalTaxesPerPeriod;
// — Net Pay —
var netPayPerPeriod = grossPay – totalDeductionsPerPeriod;
// Display results
document.getElementById('outputGrossPay').innerText = grossPay.toFixed(2);
document.getElementById('outputFederalTax').innerText = federalTaxPerPeriod.toFixed(2);
document.getElementById('outputSSTax').innerText = ssTax.toFixed(2);
document.getElementById('outputMedicareTax').innerText = medicareTax.toFixed(2);
document.getElementById('outputMarylandStateTax').innerText = marylandStateTaxPerPeriod.toFixed(2);
document.getElementById('outputMarylandLocalTax').innerText = marylandLocalTaxPerPeriod.toFixed(2);
document.getElementById('outputPreTaxDeductions').innerText = preTaxDeductions.toFixed(2);
document.getElementById('outputPostTaxDeductions').innerText = postTaxDeductions.toFixed(2);
document.getElementById('outputTotalDeductions').innerText = totalDeductionsPerPeriod.toFixed(2);
document.getElementById('outputNetPay').innerText = netPayPerPeriod.toFixed(2);
}
// Helper function for progressive tax calculation
function calculateProgressiveTax(income, brackets) {
var tax = 0;
var currentIncome = income;
for (var i = 0; i bracket.min) {
var taxableInThisBracket = Math.min(currentIncome, bracket.max) – bracket.min;
tax += taxableInThisBracket * bracket.rate;
}
}
return tax;
}
// Helper function for Maryland local tax rates
function getMarylandLocalTaxRate(county) {
switch (county) {
case 'anne-arundel': return 0.0281;
case 'baltimore-county': return 0.0320;
case 'baltimore-city': return 0.0320;
case 'montgomery': return 0.0320;
case 'prince-georges': return 0.0320;
case 'frederick': return 0.0300;
case 'harford': return 0.0300;
case 'howard': return 0.0320;
case 'carroll': return 0.0300;
case 'washington': return 0.0300;
case 'allegany': return 0.0305;
case 'calvert': return 0.0300;
case 'caroline': return 0.0320;
case 'cecil': return 0.0300;
case 'charles': return 0.0303;
case 'dorchester': return 0.0320;
case 'garrett': return 0.0265;
case 'kent': return 0.0320;
case 'queen-annes': return 0.0320;
case 'somerset': return 0.0320;
case 'st-marys': return 0.0300;
case 'talbot': return 0.0240;
case 'wicomico': return 0.0320;
case 'worcester': return 0.0175;
default: return 0; // No local tax or unknown county
}
}
// Run calculation on page load with default values
window.onload = calculatePaycheck;
Understanding Your Maryland Paycheck: A Comprehensive Guide
Navigating your paycheck can sometimes feel like deciphering a complex code. For residents of Maryland, understanding the various deductions—from federal and state taxes to local levies and FICA contributions—is crucial for effective financial planning. Our Maryland Paycheck Calculator is designed to help you estimate your take-home pay, providing clarity on where your money goes.
How Your Paycheck is Calculated
Your net pay (what you actually take home) is determined by subtracting various deductions from your gross pay (your total earnings before any deductions). These deductions typically fall into a few main categories:
1. Federal Income Tax
This is a mandatory tax levied by the U.S. government on your earnings. The amount withheld depends on your gross income, your filing status (e.g., Single, Married Filing Jointly), and the number of dependents or allowances you claim on your W-4 form. The federal tax system is progressive, meaning higher earners pay a larger percentage of their income in taxes.
2. FICA Taxes (Social Security and Medicare)
Social Security: This tax funds benefits for retirees, the disabled, and survivors. For 2024, the Social Security tax rate is 6.2% on earnings up to an annual wage base limit of $168,600.
Medicare: This tax funds health insurance for the elderly and disabled. The Medicare tax rate is 1.45% on all earnings, with no wage base limit. An additional Medicare tax of 0.9% applies to earnings above certain thresholds for high-income earners, though this calculator provides a simplified estimate.
3. Maryland State Income Tax
Maryland imposes its own state income tax, which is also progressive. The amount withheld depends on your gross income, your Maryland filing status, and the number of exemptions you claim. Maryland's tax brackets for 2024 range from 2.00% to 5.75%.
4. Maryland Local Income Tax
Unique to Maryland, most counties (and Baltimore City) levy a local income tax. This tax is a percentage of your taxable income, typically ranging from 1.75% to 3.20%, depending on where you reside. Our calculator includes rates for all Maryland counties to give you an accurate local tax estimate.
5. Pre-Tax Deductions
These are deductions taken from your gross pay before taxes are calculated. Common examples include contributions to a 401(k) or 403(b) retirement plan, health insurance premiums, and Flexible Spending Account (FSA) contributions. Pre-tax deductions reduce your taxable income, which can lower your overall tax liability.
6. Post-Tax Deductions
These deductions are taken from your pay after all applicable taxes have been calculated. Examples include Roth 401(k) contributions, union dues, charitable contributions, or garnishments. While they don't reduce your taxable income, they do reduce your net take-home pay.
How to Use the Calculator
Simply enter your gross pay per pay period, select your pay frequency, federal and Maryland filing statuses and allowances, your Maryland county, and any pre-tax or post-tax deductions. Click "Calculate Paycheck" to see a detailed breakdown of your estimated net pay and all deductions.
Important Considerations
Estimates Only: This calculator provides an estimate based on current 2024 tax laws and common withholding methods. Your actual paycheck may vary due to specific employer benefits, additional withholdings, or changes in tax laws.
W-4 Form: Your W-4 form (for federal tax) and MW507 form (for Maryland state tax) are crucial for determining accurate withholding. Reviewing and updating these forms, especially after major life events, can help prevent under- or over-withholding.
Annual Limits: Be aware of annual limits for Social Security tax and contributions to retirement accounts.
By understanding these components, you can better manage your finances and plan for your future. Use our Maryland Paycheck Calculator as a valuable tool to gain insight into your earnings.