Use our Maryland Paycheck Calculator to quickly figure out how much you’ll take home after taxes. Just enter your salary, pay frequency, and deductions, and get a detailed breakdown of your gross pay, taxes, and net pay in seconds.
How Your Maryland Paycheck is Calculated
Your paycheck depends on how much you earn and the taxes that come out of it. The general formula is:
Gross Pay – (Federal Taxes + State Taxes + Local Taxes + FICA) = Net Pay
Here’s what each part means:
- Gross Pay: The total amount you earn before taxes and deductions.
- Federal Income Tax: The tax withheld by the federal government based on your earnings and filing status.
- FICA Taxes: These include Social Security and Medicare contributions that fund federal benefit programs.
- State Income Tax: The amount withheld by the state of Maryland based on its income tax rates.
- Local Taxes: Additional taxes imposed by certain Maryland counties and municipalities.
A Guide to Maryland State Payroll Taxes
Maryland State Income Tax
Maryland uses a progressive income tax system, which means your tax rate increases as your income rises. The 2025 Maryland state income tax rates are:
| Taxable Income (Single Filers) | Tax Rate |
|---|---|
| Up to $1,000 | 2.00% |
| $1,001 – $2,000 | 3.00% |
| $2,001 – $3,000 | 4.00% |
| $3,001 – $100,000 | 4.75% |
| $100,001 – $125,000 | 5.00% |
| $125,001 – $150,000 | 5.25% |
| $150,001 – $250,000 | 5.50% |
| Over $250,000 | 5.75% |
For married couples filing jointly, these brackets double.
The standard deduction for 2025 ranges between $2,500 and $5,900, depending on income and filing status. Each taxpayer can also claim a personal exemption of up to $3,200, subject to income limits.
State-Specific Programs and Withholdings
Maryland does not have a state disability insurance (SDI) program. However, employers and employees contribute to unemployment insurance through payroll taxes. Employees typically do not see a separate deduction for this, as it is paid by the employer.
Understanding Federal and FICA Taxes
Federal and FICA taxes are consistent across the United States. These deductions fund Social Security and Medicare programs and make up a significant part of your total withholdings.
For 2025, the rates are as follows:
- Social Security tax: 6.2% on wages up to $168,600.
- Medicare tax: 1.45% on all wages, with an additional 0.9% for income exceeding $200,000 for single filers.
Employers match these amounts, resulting in a combined contribution of 15.3%.
Local Taxes in Maryland
Maryland is one of the few states where local income taxes are collected by counties and Baltimore City. Local rates vary by jurisdiction and range from 2.25% to 3.20%.
For example:
- Baltimore City: 3.20%
- Montgomery County: 3.20%
- Prince George’s County: 3.20%
- Anne Arundel County: 2.81%
- Howard County: 3.20%
Your employer withholds these local taxes along with state and federal deductions, so they are included in your paycheck automatically.
Frequently Asked Questions (FAQs) About Maryland Paychecks
What is the minimum wage in Maryland?
As of 2025, the minimum wage in Maryland is $15.00 per hour. Some counties, such as Montgomery County, may have higher minimum wage rates depending on employer size.
How often are paydays in Maryland?
Most employers in Maryland pay employees on a bi-weekly or semi-monthly schedule. State law requires employers to establish regular paydays and pay wages no more than 14 days after the end of the pay period.
What is the Maryland state tax rate for 2025?
Maryland’s state income tax rates for 2025 range from 2.00% to 5.75%, depending on your income level and filing status. Additionally, local income taxes between 2.25% and 3.20% apply based on where you live or work.
Are 1099 contractors subject to Maryland taxes?
Yes. Independent contractors must pay Maryland state income tax on earnings and make quarterly estimated tax payments. They are also responsible for paying the full share of Social Security and Medicare taxes through self-employment tax.
What are the overtime laws in Maryland?
Maryland follows federal overtime laws under the Fair Labor Standards Act (FLSA). Non-exempt employees must receive 1.5 times their regular hourly rate for any hours worked over 40 in a workweek.
Disclaimer
This Maryland Paycheck Calculator provides an estimate for informational purposes only. The actual amount you take home may vary based on your specific deductions, benefits, and tax situation. Always consult a tax professional or refer to the Maryland Comptroller’s Office for official guidance and updates.