Massachusetts Paycheck Calculator 2026
Calculate your exact net salary in Boston, Worcester, Springfield, and statewide across Massachusetts. Massachusetts taxes individual income at a flat 5.0% rate, with no local city income tax.
Salary & Withholding Inputs
Live ComputeComprehensive Payroll Deduction Breakdown Per Paycheck & Annual
| Category | Per Paycheck | Annual Total | % Gross |
|---|---|---|---|
| Gross Pay | $3,846.15 | $100,000.00 | 100.0% |
| 401(k) Retirement Pre-Tax | -$192.31 | -$5,000.00 | 5.0% |
| Pre-Tax Health Insurance | -$69.23 | -$1,800.00 | 1.8% |
| Federal Income Tax (IRS) | -$449.00 | -$11,674.00 | 12.3% |
| Social Security (6.2%) | -$238.46 | -$6,200.00 | 6.2% |
| Medicare (1.45%) | -$55.77 | -$1,450.00 | 1.5% |
| Massachusetts State Income Tax (5.0%) | -$179.23 | -$4,660.00 | 4.7% |
| Net Take-Home Pay | $2,662.15 | $69,216.00 | 67.8% |
New England Tax Comparison
MA 5.0% vs CT 5.5%Massachusetts taxes all income at a flat 5.0% rate. In neighboring Connecticut, there is a 5.5% rate. In New Hampshire, there is no state income tax (0%).
Frequently Asked Questions: Massachusetts Paycheck Taxes
1. What is the Massachusetts state income tax rate in 2026?
Massachusetts imposes a flat personal income tax rate of 5.0% on taxable income. Every taxpayer pays the same 5.0% rate, making Massachusetts one of the simplest states for paycheck withholding estimates.
2. Do Boston residents pay a city income tax?
No. Unlike New York City, Philadelphia, or Detroit, Boston does not levy an additional local municipal income tax on employees. You only pay federal income tax, FICA, and Massachusetts state tax.
3. Does Massachusetts have state disability insurance (SDI) tax?
No. Unlike California, New Jersey, or New York, Massachusetts does not have a mandatory state disability insurance (SDI) deduction taken from your paycheck.