Maryland Payroll Calculator
Use this calculator to estimate your net pay per pay period in Maryland, taking into account federal, state, and county income taxes, as well as Social Security and Medicare contributions. This tool provides an estimate based on current tax laws and common deductions.
Understanding Your Maryland Paycheck
A payroll calculator for Maryland helps you estimate your take-home pay by factoring in various deductions from your gross salary. This is crucial for budgeting and understanding your financial standing. Your paycheck isn't just your salary; it's your salary minus federal, state, and local taxes, plus any other deductions you might have.
Key Components of Your Maryland Paycheck:
- Gross Pay: This is your total earnings before any deductions. It can be an annual salary, hourly wages multiplied by hours worked, or a combination.
- Federal Taxes:
- Social Security: A flat percentage (6.2% in 2024) of your earnings up to an annual wage base limit ($168,600 in 2024). This funds retirement, disability, and survivor benefits.
- Medicare: A flat percentage (1.45% in 2024) of all your earnings, with no wage base limit. This funds hospital insurance for the elderly and disabled.
- Federal Income Tax: This is a progressive tax based on your income, filing status (e.g., Single, Married Filing Jointly), and deductions. The calculator uses simplified 2024 federal tax brackets and standard deductions for estimation.
- Maryland State Income Tax: Maryland has a progressive income tax system, meaning higher earners pay a higher percentage. The calculator applies the 2024 Maryland state tax brackets to your taxable income after accounting for Maryland exemptions. Each exemption reduces your taxable income by $3,200.
- Maryland County Income Tax: A unique aspect of Maryland payroll is the county income tax. This is an additional tax levied by the county you reside in (or work in, if you're a non-resident). Rates vary significantly by county, ranging from 1.75% to 3.20% in 2024. This calculator includes a dropdown for you to select your specific county.
- Deductions:
- Pre-Tax Deductions: These are taken out of your gross pay before taxes are calculated, effectively reducing your taxable income. Common examples include contributions to a 401(k) or traditional IRA, and health insurance premiums.
- Post-Tax Deductions: These are taken out after all taxes have been calculated. Examples include Roth 401(k) contributions, union dues, or wage garnishments.
- Net Pay: This is your final take-home pay after all taxes and deductions have been subtracted from your gross pay.
How to Use the Calculator:
Simply enter your gross annual salary, select your pay frequency, federal and Maryland filing statuses, the number of Maryland exemptions you claim, and your Maryland county. You can also input any annual pre-tax or post-tax deductions. Click "Calculate Net Pay" to see a detailed breakdown of your estimated paycheck.
Example Calculation:
Let's say you have a Gross Annual Salary of $75,000, are paid Bi-weekly, file as Single federally and in Maryland, claim 1 Maryland exemption, live in Montgomery County, and have $1,200 in annual pre-tax deductions (e.g., 401k) and $600 in annual post-tax deductions (e.g., Roth IRA).
- Gross Pay per Period: $75,000 / 26 = $2,884.62
- Pre-Tax Deductions per Period: $1,200 / 26 = $46.15
- Taxable Income (Federal & MD): $75,000 – $1,200 (pre-tax) = $73,800
- Federal Income Tax: Calculated based on $73,800 taxable income and Single standard deduction ($14,600).
- Social Security Tax: 6.2% of $75,000 = $4,650 annually.
- Medicare Tax: 1.45% of $75,000 = $1,087.50 annually.
- Maryland State Tax: Calculated based on $73,800 – $3,200 (1 exemption) = $70,600 taxable income and MD brackets.
- Montgomery County Tax: 3.20% of $70,600 = $2,259.20 annually.
- Post-Tax Deductions per Period: $600 / 26 = $23.08
- All annual taxes are then divided by 26 to get the per-period amount.
- Net Pay per Period: Gross Pay per Period – (All Taxes per Period) – Pre-Tax Deductions per Period – Post-Tax Deductions per Period.
This calculator provides a helpful estimate, but for precise figures, always refer to your official pay stubs or consult with a tax professional.
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function calculatePayroll() {
// 1. Get Inputs
var grossAnnualSalary = parseFloat(document.getElementById("grossAnnualSalary").value);
var payFrequency = document.getElementById("payFrequency").value;
var federalFilingStatus = document.getElementById("federalFilingStatus").value;
var marylandFilingStatus = document.getElementById("marylandFilingStatus").value; // Not directly used in MD tax calculation, but good to have for completeness
var marylandExemptions = parseInt(document.getElementById("marylandExemptions").value);
var marylandCounty = document.getElementById("marylandCounty").value;
var preTaxDeductionsAnnual = parseFloat(document.getElementById("preTaxDeductionsAnnual").value);
var postTaxDeductionsAnnual = parseFloat(document.getElementById("postTaxDeductionsAnnual").value);
// 2. Validate Inputs
if (isNaN(grossAnnualSalary) || grossAnnualSalary <= 0) {
document.getElementById("payrollResult").innerHTML = "Please enter a valid Gross Annual Salary.";
return;
}
if (isNaN(marylandExemptions) || marylandExemptions < 0) marylandExemptions = 0;
if (isNaN(preTaxDeductionsAnnual) || preTaxDeductionsAnnual < 0) preTaxDeductionsAnnual = 0;
if (isNaN(postTaxDeductionsAnnual) || postTaxDeductionsAnnual < 0) postTaxDeductionsAnnual = 0;
// 3. Determine Pay Periods
var payPeriodsPerYear;
switch (payFrequency) {
case "weekly": payPeriodsPerYear = 52; break;
case "bi-weekly": payPeriodsPerYear = 26; break;
case "semi-monthly": payPeriodsPerYear = 24; break;
case "monthly": payPeriodsPerYear = 12; break;
default: payPeriodsPerYear = 26; // Default to bi-weekly
}
// 4. Calculate Gross Pay per Pay Period
var grossPayPerPeriod = grossAnnualSalary / payPeriodsPerYear;
// 5. Calculate Pre-Tax Deductions per Pay Period
var preTaxDeductionsPerPeriod = preTaxDeductionsAnnual / payPeriodsPerYear;
var taxableIncomeFederalAnnual = grossAnnualSalary – preTaxDeductionsAnnual;
if (taxableIncomeFederalAnnual < 0) taxableIncomeFederalAnnual = 0; // Cannot be negative
// 6. Federal Taxes (Annual Calculation – 2024 Rates)
var socialSecurityTaxAnnual = 0;
var medicareTaxAnnual = 0;
var federalIncomeTaxAnnual = 0;
// Social Security (6.2% up to $168,600 for 2024)
var socialSecurityLimit = 168600;
socialSecurityTaxAnnual = Math.min(grossAnnualSalary, socialSecurityLimit) * 0.062;
// Medicare (1.45% on all wages)
medicareTaxAnnual = grossAnnualSalary * 0.0145;
// Federal Income Tax (Simplified 2024 Brackets with Standard Deduction)
var federalStandardDeduction = 0;
var federalTaxableIncome = taxableIncomeFederalAnnual;
if (federalFilingStatus === "single") {
federalStandardDeduction = 14600; // 2024 Single Standard Deduction
federalTaxableIncome = Math.max(0, taxableIncomeFederalAnnual – federalStandardDeduction);
if (federalTaxableIncome <= 11600) {
federalIncomeTaxAnnual = federalTaxableIncome * 0.10;
} else if (federalTaxableIncome <= 47150) {
federalIncomeTaxAnnual = 11600 * 0.10 + (federalTaxableIncome – 11600) * 0.12;
} else if (federalTaxableIncome <= 100525) {
federalIncomeTaxAnnual = 11600 * 0.10 + (47150 – 11600) * 0.12 + (federalTaxableIncome – 47150) * 0.22;
} else if (federalTaxableIncome <= 191950) {
federalIncomeTaxAnnual = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (federalTaxableIncome – 100525) * 0.24;
} else if (federalTaxableIncome <= 243725) {
federalIncomeTaxAnnual = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (191950 – 100525) * 0.24 + (federalTaxableIncome – 191950) * 0.32;
} else if (federalTaxableIncome <= 609350) {
federalIncomeTaxAnnual = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (191950 – 100525) * 0.24 + (243725 – 191950) * 0.32 + (federalTaxableIncome – 243725) * 0.35;
} else {
federalIncomeTaxAnnual = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (191950 – 100525) * 0.24 + (243725 – 191950) * 0.32 + (609350 – 243725) * 0.35 + (federalTaxableIncome – 609350) * 0.37;
}
} else { // Married Filing Jointly
federalStandardDeduction = 29200; // 2024 Married Filing Jointly Standard Deduction
federalTaxableIncome = Math.max(0, taxableIncomeFederalAnnual – federalStandardDeduction);
if (federalTaxableIncome <= 23200) {
federalIncomeTaxAnnual = federalTaxableIncome * 0.10;
} else if (federalTaxableIncome <= 94300) {
federalIncomeTaxAnnual = 23200 * 0.10 + (federalTaxableIncome – 23200) * 0.12;
} else if (federalTaxableIncome <= 201050) {
federalIncomeTaxAnnual = 23200 * 0.10 + (94300 – 23200) * 0.12 + (federalTaxableIncome – 94300) * 0.22;
} else if (federalTaxableIncome <= 383900) {
federalIncomeTaxAnnual = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (federalTaxableIncome – 201050) * 0.24;
} else if (federalTaxableIncome <= 487450) {
federalIncomeTaxAnnual = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (383900 – 201050) * 0.24 + (federalTaxableIncome – 383900) * 0.32;
} else if (federalTaxableIncome <= 731200) {
federalIncomeTaxAnnual = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (383900 – 201050) * 0.24 + (487450 – 383900) * 0.32 + (federalTaxableIncome – 487450) * 0.35;
} else {
federalIncomeTaxAnnual = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (383900 – 201050) * 0.24 + (487450 – 383900) * 0.32 + (731200 – 487450) * 0.35 + (federalTaxableIncome – 731200) * 0.37;
}
}
// 7. Maryland State Income Tax (Annual Calculation – 2024 Rates)
var marylandExemptionAmount = marylandExemptions * 3200; // $3,200 per exemption for 2024
var taxableIncomeMarylandAnnual = grossAnnualSalary – preTaxDeductionsAnnual – marylandExemptionAmount;
if (taxableIncomeMarylandAnnual < 0) taxableIncomeMarylandAnnual = 0;
var marylandStateTaxAnnual = 0;
if (taxableIncomeMarylandAnnual <= 1000) {
marylandStateTaxAnnual = taxableIncomeMarylandAnnual * 0.02;
} else if (taxableIncomeMarylandAnnual <= 2000) {
marylandStateTaxAnnual = 1000 * 0.02 + (taxableIncomeMarylandAnnual – 1000) * 0.03;
} else if (taxableIncomeMarylandAnnual <= 3000) {
marylandStateTaxAnnual = 1000 * 0.02 + 1000 * 0.03 + (taxableIncomeMarylandAnnual – 2000) * 0.04;
} else if (taxableIncomeMarylandAnnual <= 100000) {
marylandStateTaxAnnual = 1000 * 0.02 + 1000 * 0.03 + 1000 * 0.04 + (taxableIncomeMarylandAnnual – 3000) * 0.0475;
} else if (taxableIncomeMarylandAnnual <= 125000) {
marylandStateTaxAnnual = 1000 * 0.02 + 1000 * 0.03 + 1000 * 0.04 + (100000 – 3000) * 0.0475 + (taxableIncomeMarylandAnnual – 100000) * 0.05;
} else if (taxableIncomeMarylandAnnual <= 150000) {
marylandStateTaxAnnual = 1000 * 0.02 + 1000 * 0.03 + 1000 * 0.04 + (100000 – 3000) * 0.0475 + (125000 – 100000) * 0.05 + (taxableIncomeMarylandAnnual – 125000) * 0.0525;
} else if (taxableIncomeMarylandAnnual <= 250000) {
marylandStateTaxAnnual = 1000 * 0.02 + 1000 * 0.03 + 1000 * 0.04 + (100000 – 3000) * 0.0475 + (125000 – 100000) * 0.05 + (150000 – 125000) * 0.0525 + (taxableIncomeMarylandAnnual – 150000) * 0.055;
} else {
marylandStateTaxAnnual = 1000 * 0.02 + 1000 * 0.03 + 1000 * 0.04 + (100000 – 3000) * 0.0475 + (125000 – 100000) * 0.05 + (150000 – 125000) * 0.0525 + (250000 – 150000) * 0.055 + (taxableIncomeMarylandAnnual – 250000) * 0.0575;
}
// 8. Maryland County Income Tax (Annual Calculation – 2024 Rates)
var countyTaxRate = 0;
switch (marylandCounty) {
case "Allegany": countyTaxRate = 0.0305; break;
case "Anne Arundel": countyTaxRate = 0.0281; break;
case "Baltimore City": countyTaxRate = 0.0320; break;
case "Baltimore County": countyTaxRate = 0.0320; break;
case "Calvert": countyTaxRate = 0.0300; break;
case "Caroline": countyTaxRate = 0.0320; break;
case "Carroll": countyTaxRate = 0.0303; break;
case "Cecil": countyTaxRate = 0.0280; break;
case "Charles": countyTaxRate = 0.0303; break;
case "Dorchester": countyTaxRate = 0.0320; break;
case "Frederick": countyTaxRate = 0.0296; break;
case "Garrett": countyTaxRate = 0.0265; break;
case "Harford": countyTaxRate = 0.0306; break;
case "Howard": countyTaxRate = 0.0320; break;
case "Kent": countyTaxRate = 0.0285; break;
case "Montgomery": countyTaxRate = 0.0320; break;
case "Prince George's": countyTaxRate = 0.0320; break;
case "Queen Anne's": countyTaxRate = 0.0320; break;
case "St. Mary's": countyTaxRate = 0.0300; break;
case "Somerset": countyTaxRate = 0.0320; break;
case "Talbot": countyTaxRate = 0.0225; break;
case "Washington": countyTaxRate = 0.0300; break;
case "Wicomico": countyTaxRate = 0.0320; break;
case "Worcester": countyTaxRate = 0.0175; break;
default: countyTaxRate = 0; // No county selected or unknown
}
var marylandCountyTaxAnnual = taxableIncomeMarylandAnnual * countyTaxRate;
// 9. Calculate Total Annual Taxes
var totalAnnualTaxes = socialSecurityTaxAnnual + medicareTaxAnnual + federalIncomeTaxAnnual + marylandStateTaxAnnual + marylandCountyTaxAnnual;
// 10. Calculate Post-Tax Deductions per Pay Period
var postTaxDeductionsPerPeriod = postTaxDeductionsAnnual / payPeriodsPerYear;
// 11. Calculate Net Pay per Pay Period
var totalDeductionsPerPeriod = (totalAnnualTaxes / payPeriodsPerYear) + preTaxDeductionsPerPeriod + postTaxDeductionsPerPeriod;
var netPayPerPeriod = grossPayPerPeriod – totalDeductionsPerPeriod;
// 12. Display Results
var resultsHtml = "
Your Estimated Paycheck Details:
";
resultsHtml += "
Gross Pay per Period: $" + grossPayPerPeriod.toFixed(2) + "";
resultsHtml += "
Pre-Tax Deductions per Period: $" + preTaxDeductionsPerPeriod.toFixed(2) + "";
resultsHtml += "
Federal Income Tax per Period: $" + (federalIncomeTaxAnnual / payPeriodsPerYear).toFixed(2) + "";
resultsHtml += "
Social Security Tax per Period: $" + (socialSecurityTaxAnnual / payPeriodsPerYear).toFixed(2) + "";
resultsHtml += "
Medicare Tax per Period: $" + (medicareTaxAnnual / payPeriodsPerYear).toFixed(2) + "";
resultsHtml += "
Maryland State Tax per Period: $" + (marylandStateTaxAnnual / payPeriodsPerYear).toFixed(2) + "";
resultsHtml += "
Maryland County Tax per Period: $" + (marylandCountyTaxAnnual / payPeriodsPerYear).toFixed(2) + "";
resultsHtml += "
Post-Tax Deductions per Period: $" + postTaxDeductionsPerPeriod.toFixed(2) + "";
resultsHtml += "
Total Deductions per Period: $" + totalDeductionsPerPeriod.toFixed(2) + "";
resultsHtml += "
Net Pay per Period: $" + netPayPerPeriod.toFixed(2) + "";
document.getElementById("payrollResult").innerHTML = resultsHtml;
}