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Maryland combines state progressive income tax with county and local income taxes for many filers — especially in the Baltimore and DC suburbs. This page estimates federal tax, Maryland state tax using the 2026 brackets, standard deduction and personal exemption, and FICA. Real take-home pay also reflects county withholding, which is not included here.
2026 federal + state brackets + FICA — updates as you type.
State: Maryland (pre-selected; change the dropdown for other states)
Not applied in this simplified model.
State tax uses your state's 2026 brackets, standard deduction, exemptions and credits for your filing status. City and county income taxes (for example NYC, Maryland counties, Ohio cities) are not included. FICA: Social Security 6.2% on wages up to $184,500 and Medicare 1.45% on all wages shown.
Maryland: 2026 state brackets 2%–6.5% after the $3,350 standard deduction ($6,700 joint) and $3,200 exemption per filer (phased out at higher incomes). County/Baltimore City taxes (2.25%–3.3%) are not modeled — combined withholding is higher than shown.
Federal brackets (2026 · Single)
Net take-home
$59,050
Total tax: $16,950
Effective rate
22.3%
Marginal rate
26.8%
Income position
Taxable income $59,900 relative to bracket scale (cap $691,848).
State brackets (single, 2026); local rates vary by county. Rates: Comptroller of Maryland, tax rates and exemptions.
| Component | Rate / note (law) |
|---|---|
| Maryland state income tax | 2%–4% on the first $3,000; 4.75% to $100,000; 5% to $125,000; 5.25% to $150,000; 5.5% to $250,000; 5.75% to $500,000; 6.25% to $1,000,000; 6.5% above |
| Standard deduction / exemption | $3,350 and $3,200 single; $6,700 and $6,400 joint; exemption phases out from $100,000 to $150,000 ($150,000 to $200,000 joint) |
| County / local income tax | 2.25%–3.3% depending on county or Baltimore City |
| This calculator | State brackets, deduction and exemption — no county add-on |
Maryland offers credits including the earned income credit, child and dependent care credit, and a pension exclusion for eligible older adults. The Heritage Structure rehabilitation credit and other niche credits may apply — none are included in this educational engine.
Maryland's 2026 state income tax uses progressive brackets from 2% to 6.5%. Most wage earners are in the 4.75% bracket (taxable income from $3,000 to $100,000 single, or $150,000 joint); rates rise to 5%–6.5% above that. Residents also pay county or Baltimore City income tax (2.25%–3.3%), which this calculator does not add.
If you live or work in a county with local income tax, your employer typically withholds extra that is not shown as a separate row here. Baltimore City and many counties layer local rates — check your Form MW507 elections and paystub.
Maryland taxes most retirement distributions but offers pension exclusions and other subtractions for eligible retirees up to certain amounts. Those rules are not modeled in this calculator.
Virginia generally does not impose broad local wage taxes like many Maryland counties. At similar gross pay, Maryland filers with local tax often see higher combined state-local withholding than Virginia neighbors.
Educational estimates only. Not IRS or Maryland Comptroller advice.