Where your Massachusetts paycheck goes
Annual take-home versus federal, state, and FICA taxes.
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Massachusetts Paycheck Calculator
Enter your salary to estimate your Massachusetts take-home pay after federal income tax, Massachusetts state income tax, and FICA, broken down per paycheck for any pay schedule.
Take-home per paycheck
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Gross annual pay—
Federal income tax—
Massachusetts state income tax—
FICA (Social Security + Medicare)—
Net annual take-home—
Same salary, different states
Estimated 2026 take-home on an $80,000 single salary, before local taxes. Massachusetts is highlighted.
How Massachusetts taxes your paycheck
Massachusetts has a progressive income tax with 2 brackets, from 5% to 9%, after a personal exemption of $4,400 ($8,800 for couples). That is on top of federal income tax, Social Security (6.2% up to $184,500 of wages in 2026) and Medicare (1.45%, plus 0.9% on wages above $200,000), which are the same in every state.
Massachusetts income tax brackets for 2026
| Rate | Single (taxable income) | Married filing jointly |
|---|---|---|
| 5% | $0 – $1,083,150 | $0 – $1,083,150 |
| 9% | over $1,083,150 | over $1,083,150 |
Local taxes: Massachusetts has no local income taxes.
Other payroll items: Employees pay a share of the Paid Family and Medical Leave (PFML) contribution, not included here. Income over about $1.08 million pays an extra 4% surtax, which is included.
Worked example
A single filer in Massachusetts earning $80,000 a year, paid every two weeks with no pre-tax deductions: federal income tax is $8,770, Massachusetts income tax is $3,780 and FICA is $6,120, leaving $61,330 a year, or about $2,359 per paycheck. A married couple filing jointly on $120,000 keeps about $95,220 a year. Putting $5,000 into a traditional 401(k) would cut this single filer's federal tax to $7,670 and Massachusetts tax to $3,530.
Massachusetts take-home pay at different salaries (single, 2026)
| Salary | Federal tax | Massachusetts tax | FICA | Take-home | Per bi-weekly check |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $1,780 | $3,060 | $32,540 | $1,252 |
| $60,000 | $5,020 | $2,780 | $4,590 | $47,610 | $1,831 |
| $80,000 | $8,770 | $3,780 | $6,120 | $61,330 | $2,359 |
| $100,000 | $13,170 | $4,780 | $7,650 | $74,400 | $2,862 |
| $150,000 | $24,734 | $7,280 | $11,475 | $106,511 | $4,097 |
How Massachusetts compares
On an $80,000 single salary, Massachusetts take-home is about $61,330, $3,780 less than in Texas, which has no income tax, and $585 less than in California. The chart above shows Massachusetts next to Texas, California and New York on identical pay.
What this estimate includes
taxable income = salary − pre-tax deductions − standard deduction
federal tax = 2026 federal brackets (standard deduction $16,100 single / $32,200 married)
Massachusetts tax = 2026 Massachusetts brackets on state taxable income
FICA = 6.2% Social Security (to $184,500) + 1.45% Medicare (+0.9% over $200,000)
per paycheck = (salary − all taxes − pre-tax deductions) ÷ pay periods
federal tax = 2026 federal brackets (standard deduction $16,100 single / $32,200 married)
Massachusetts tax = 2026 Massachusetts brackets on state taxable income
FICA = 6.2% Social Security (to $184,500) + 1.45% Medicare (+0.9% over $200,000)
per paycheck = (salary − all taxes − pre-tax deductions) ÷ pay periods
Local taxes and state payroll programs mentioned above are not included, and your actual withholding also depends on your W-4 and any state withholding certificate. State figures are the 2026 rates and brackets published by Massachusetts, as compiled by the Tax Foundation.
Frequently asked questions
How much is taken out of an $80,000 paycheck in Massachusetts?
For a single filer in 2026, about $18,670 a year: $8,770 federal income tax, $3,780 Massachusetts income tax and $6,120 FICA, leaving $61,330, or $2,359 every two weeks. Local taxes are extra.
What is the Massachusetts income tax rate in 2026?
Massachusetts has a progressive income tax with 2 brackets, from 5% to 9%, after a personal exemption of $4,400 ($8,800 for couples).
Are there local income taxes in Massachusetts?
Massachusetts has no local income taxes.
Is take-home pay higher in Massachusetts or Texas?
Texas. With no state income tax, a single filer on $80,000 keeps about $65,110 in Texas against $61,330 in Massachusetts, a difference of $3,780 a year.
How can I lower the tax on my Massachusetts paycheck?
Pre-tax contributions to a 401(k), HSA or FSA lower federal and Massachusetts taxable income. On $80,000, a $5,000 traditional 401(k) contribution cuts federal tax to $7,670 and Massachusetts tax to $3,530.
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