Take-Home Pay in Maryland (2026)

Maryland's state income tax runs from 2% to 6.5% across ten brackets for 2026, and every county plus Baltimore City adds its own local income tax of 2.25% to 3.3% — often the bigger number, and not included here. The state standard deduction is $3,400 single or $6,800 joint. Maryland's paid family leave program does not collect contributions until 2027.

State tax note: 2% to 6.5% across ten state brackets (2026). Every Maryland county plus Baltimore City adds its own local income tax (2.25%–3.3%) — not modeled, so Maryland tax reads low. No employee paid-leave tax in 2026 (FAMLI starts 2027).

Gross annual salaryFiling statusState2% to 6.5% across ten state brackets (2026). Every Maryland county plus Baltimore City adds its own local income tax (2.25%–3.3%) — not modeled, so Maryland tax reads low. No employee paid-leave tax in 2026 (FAMLI starts 2027).

401(k) pre-tax contribution (annual)IRS 2026 limit: $24,500. Reduces income tax, not FICA.HSA contribution (annual)Reduces income tax and FICA.Health insurance premiums (annual, pre-tax)Section 125 — reduces income tax and FICA.Savings buffer (%)Set aside this share of take-home for savings. Shown as what's left to spend — it doesn't change the salary math.

Take-home pay

Monthly$6,220

Biweekly$2,871

Annual$74,644

Take-home Federal Soc. Security Medicare State WA payroll Pre-tax

Where it goes

Gross pay	$100,000
Federal income taxmarginal 22%, effective 13.2%	−$13,170
Social Security (6.2%)	−$6,200
Medicare (1.45%)	−$1,450
State income tax (Maryland)	−$4,536
Take-home pay	$74,644

Other states

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